Does My Homeowners Insurance Cover My Child at College

Insuring your home is an important step in protecting your family. As your children grow up and move off to college, they may no longer be covered by this layer of protection.  These kids are living outside your property, and it can influence the coverage of your homeowners insurance.

Is your child on campus?

It all comes down to your insurance policy and what it covers. Usually, your homeowners insurance policy covers kids at college, provided they stay on campus. When their items or belongings are affected by any damage your insurance covers, you can make a claim on your insurance. Your child would also have access to paid legal fees for a covered liability lawsuit.

Despite the fact that your homeowners insurance covers your kid at the college’s campus, it is wise to check with your insurance company exactly what property coverage your insurance provides for your child while they are on campus. For example, a worldwide coverage in your policy means coverage for your property irrespective of where they are located in the world. Anything outside a worldwide coverage would only cover property in a dorm room.

How about children off-campus?

Home insurance rarely covers children off-campus. You’d need to find a better-suited insurance package for children who stay in a fraternity house, sorority house, or other off-campus apartments. You can get a renter’s insurance policy for your child if they choose to live off-campus. It is best to pick an insurance policy that covers your child only, rather than one that covers your child and roommates.

How much coverage is usually offered for your child at college?

Whether your child is living on or off-campus, your home insurance policy can be purchased on terms that provide coverage for the valuables of your children. Usually, items and valuables such as computers, electronics, firearms, jewelry, silverware, cash, and other expensive items have limits of protection from insurance companies. If the limit of your insurance doesn’t sufficiently cover your child’s valuables, you can increase the limit to enjoy more coverage.  If increasing the coverage doesn’t do the trick, seek special insurance for your child’s valuables.

Usually, for a child who lives on campus, your homeowners insurance extends 10% of your policy to your child. This means if you purchased the insurance at $300,000, your child enjoys coverage of $30,000. If the 10% is insufficient to cover your child and their valuables, you can always increase the limit or seek a separate insurance plan.

What are the available insurance options?

Although your homeowners insurance covers your child at college, it has a few lapses. You cannot make claims for any damage less than your deductible. Also, your insurance score can be negatively impacted when your child makes claims, which can lead to premium increases. What’s worth your concern is the fact that damages on your child’s property would most likely be less than your deductible. This means you’re as good as not having protection for your child’s property or valuables. A renter’s insurance has a much lower deductible and is way cheaper for your children. Nevertheless, if the deductible doesn’t cover probable damage, dorm insurance might be the route to take. This way your child can make claims for the smallest damages in college.

Yes, your homeowners insurance provides some coverage for your children in college. Nevertheless, there are better options to consider depending on the situation. Do you have more questions about the coverage offered by your homeowners insurance?  If so, then contact the experts at James Page Insurance.  We are ready to assist you with all your home coverage needs today.

Stay at Home Valentine’s Day Ideas

Valentine’s Day is a special celebration of love. We often think special days like this should be celebrated in special ways. Of course, it should, but our concept of special can become distorted. We want to make reservations in a restaurant like others or go through the hustle and bustle of pushing through crowds to see a movie. Here is a list of stay-at-home valentine ideas that could be more rewarding and special.

  1. Spend Valentine’s Day talking about love with your family.

Tell them what love means to you, how much you love them, and the remarkable ways they have brought joy into your life. Read books about love. You can always get suggestions of books to read for valentine’s Day from the librarian. Eat fancy or new home-cooked meals. Most importantly, show love to your partner, and family in unique ways. For meals with a love theme, you can try out: Apple heart sandwiches, strawberry heart French toast, heart-shaped pizza, peanut butter heart cookies, and more.

  1. Never underestimate the reward of Netflix and chill on Valentine’s Day.

Carefully handpick what movie you want to see at home and make special arrangements for movie night. Choose movies that have a history with you and your partner or helps you relax while making the moment special. You can also learn a few massage tricks and treat your partner to an in-house massage. Get the candles set, get the massage oil ready and turn on some calm mood music. A facial mask may help your partner relax. Surprising your partner with a foot spa alongside a few massage lessons always does the trick.

  1. Games can help you and your family members and relax in remarkable ways.

When was the last time you played a fun game with your family? The spark of friendly competition can be fun and exhilarating while adding a bit of spice to an evening.  You can try board games, never have I ever, truth or dare, hide and seek, whatever works for you and your loved ones. As long as it is fun, special, and helps you and your family spend quality time together, it is a good choice.

  1. Treat yourself to your favorite food.

Certain foods can improve or dampen your mood, but your favorite food always is a good choice for a nice treat. Its valentine’s Day, order or make your favorite food and give yourself a day to indulge.  Valentine’s Day isn’t one of the days you keep-up with your diet routine. Take a break and allow yourself the freedom to enjoy your favorite food without guilt.

Staying at home during valentine’s Day can be rewarding and special. You only need to see the possibility and allow yourself a chance to make this valentine’s Day a memorable one. If you need assistance with your health and life insurance coverage, contact the experts at James Page Insurance. We’re always available to answer all your insurance-related questions.