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There’s nothing quite like the whirlwind of preparing to send your teen off to college. Between shopping for dorm essentials, double-checking class schedules, and figuring out move-in day, it’s easy to forget one very important detail: insurance coverage. At Craven Insurance, we’ve helped countless families navigate this season with peace of mind, making sure their young adults are protected as they take this big step toward independence.
Why Insurance Matters for College Students
College life introduces new experiences, freedom, and unfortunately, new risks. From laptops stolen in the library, to car accidents on the way home, to unexpected health emergencies—life can throw curveballs. Insurance ensures that your teen is financially protected while you focus on supporting their academic and personal growth.
Property Protection
Students bring thousands of dollars’ worth of electronics and valuables to campus. Renter’s or homeowner’s extensions can cover theft, loss, and damage.
Auto Insurance
Even if your teen is away from home, accidents happen. Car insurance ensures they’re protected on the road, whether they’re commuting or visiting home.
Health Coverage
College health clinics don’t cover everything. Having a solid health plan keeps your teen protected against unexpected medical expenses.
Key Types of Insurance to Review
Here’s a breakdown of the essential coverage options you’ll want to review before move-in day. Each category protects against a common college risk, and taking care of this now can prevent major stress later.
| Coverage Type | What It Protects | Why It’s Important |
|---|---|---|
| Renter’s or Homeowner’s Extension | Laptops, bikes, clothing, and electronics | Protects valuables from theft, fire, or damage |
| Auto Insurance | Vehicles your teen may drive | Ensures liability and accident protection |
| Health Insurance | Doctor visits, hospital stays, prescriptions | Prevents medical bills from becoming overwhelming |
| Tuition Insurance | College tuition and housing | Covers costs if a student withdraws due to illness |
| Umbrella Coverage | Extra liability protection | Provides peace of mind for unexpected lawsuits |
A Conversation Every Parent Should Have
Insurance is more than just paperwork—it’s a safety net. Talking with your teen about why you’re keeping these protections in place helps them understand financial responsibility. Imagine this: their phone gets stolen, and instead of panic, they learn how insurance helps replace it. These small moments prepare them for adulthood.
Real-World Example
A family we recently helped had a freshman at college when their car was broken into. The laptop and camera stolen were worth over $2,000. Luckily, because they had extended their homeowner’s policy through Craven Insurance, the replacement cost was covered. Without that coverage, it would have been a financial hit that could have derailed their semester.
Tips for Parents
Here are three things you can do today:
- Take inventory: Document your student’s belongings with photos and serial numbers.
- Check current policies: Review your homeowner’s, auto, and health plans for coverage gaps.
- Talk to your agent: Let us help identify additional options like tuition insurance or umbrella coverage.
Let’s Make College a Safe Adventure
As a parent, you’ve worked hard to get your teen ready for this new chapter. Don’t let overlooked details like insurance stand in the way of their success. Craven Insurance is here to make sure your family is protected, so you can focus on cheering them on as they grow and thrive.
Call us today at 360-341-7200 or click below to get started.
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