Heading off to college is an exciting time filled with new experiences, but it’s also a major transition that comes with responsibilities—like making sure you’re properly insured. Whether you’re staying on your parent’s plan or getting your own coverage, having the right insurance in place can save you from unexpected expenses. At Bleiler Insurance, we want to help college students (and their parents) make informed decisions about their insurance needs. Here are five essential insurance tips to keep in mind this school year.
1. Know Your Health Insurance Coverage
Health insurance is a must, but many students don’t realize they have multiple options. If you’re under 26, you can likely stay on your parents’ plan—but check if their network includes doctors near your college. Many schools also offer student health plans, which could be more affordable and provide better coverage for on-campus services. Whatever you choose, make sure you understand your deductible, co-pays, and in-network providers before you need medical care.
2. Get Renters Insurance for Your Belongings
Whether you’re living in a dorm or an off-campus apartment, renters insurance is a smart investment. This type of coverage protects your belongings in case of theft, fire, or damage. Imagine replacing your laptop, phone, and other valuables out of pocket—it adds up fast! Renters insurance is affordable and can provide peace of mind while you’re away at school. Some policies even cover items stolen from your car or lost during travel.
3. Adjust Your Auto Insurance Policy
Bringing your car to college? Let your insurance provider know! Rates can change depending on where you’re living and driving. Some insurers offer discounts for students who get good grades (usually a B average or higher) or for those who leave their car at home while attending school out of state. If you’re not driving much, a usage-based policy might also save you money.
4. Protect Your Electronics & Valuables
Laptops, tablets, and other expensive gadgets are essential for schoolwork but are also common targets for theft. While renters insurance may cover stolen electronics, it’s important to check your policy details. Some policies also cover accidental damage, like if you spill coffee on your laptop. If you rely on expensive gear, consider a personal property insurance plan for extra protection.
5. Understand Liability Insurance
College life comes with risks—whether it’s hosting friends in your dorm or renting an apartment with roommates. Liability coverage, often included in renters insurance, protects you if someone gets injured in your space or if you accidentally cause property damage. Without it, you could be stuck with hefty medical or repair bills. If you’re living off-campus, your landlord may even require renters insurance that includes liability coverage.
Get the Right Coverage Before School Starts
College is stressful enough without worrying about unexpected expenses from accidents, theft, or medical emergencies. Making sure you’re properly insured now can help you focus on what really matters—your education and experience.
At Bleiler Insurance, we’re here to help students and parents navigate insurance needs with ease. Whether you need renters, auto, or health insurance guidance, our team is ready to assist.
Start the school year with confidence—make sure you’re covered with Bleiler Insurance! Contact us today to get started.
