Back-to-Campus Insurance Tips

Protect your property & save money. No all-nighters required.


DENVER (Aug. 27, 2018) – There are few life moments more exciting than the transition from high school graduate to college student. From stocking up on new electronics for the new year to outfitting their dorms and meeting new roommates and, yes, setting their own curfews, heading to college for the first time is an important milestone. But parents and students shouldn't let all the excitement distract from the opportunity to review their shared insurance policies. Taking a few minutes before classes kick off can save parents a lot of money and, more importantly, keep college students protected from the unexpected.

Homeowners and renters insurance tips:


  • If you live in a dorm, most personal possessions will be covered under your parents' homeowners or renters insurance policies. That said, expensive items such as computers and other electronics might be subject to coverage limits under a standard homeowners policy. If the limits are too low, parents might want to consider purchasing a special personal property endorsement. 
  • If you live off campus, purchase renters insurance. Renters insurance is necessary to protect you and your belongings, and can protect you from liability in the event that someone accidentally gets injured on your property.
  • Leave valuables at home. While some valuable items, such as laptops, may be needed on campus, items such as expensive jewelry might be best left at home
  • Create a "dorm inventory." Create a detailed inventory of all items you'll be taking with you, including photos and receipts. In the event that you need to file a claim, an up-to-date inventory will help make the process easier. 
  • Safeguard your items from theft. Always lock your dorm room door and never leave belongings unattended on campus. According to the Insurance Information Institute, burglaries make up about 50 percent of all on-campus crimes, and the library, dining hall, and other public places are the primary areas where they occur. 

Auto insurance tips:

  • Coverage may depend on whether you leave home or stay in the area. If you bring a car to campus and remain on your parents' policy, coverage likely still applies. If you attend an out-of-state school, make sure your insurance coverage follows you.
  • Parents can save money by removing students from their policy if they aren't taking a car to or driving while in college. Alternatively, look into a resident student discount. If your student attends school at least 100 miles away from home, you may qualify for a discount that could lower your bill by as much as 30 percent per month.
  • Hit the books. College students 25 and younger who maintain at least a 3.0 GPA may be eligible for good student discounts. This discount can reduce your auto insurance premium by 5 percent annually. 
  • Reduce collision coverage. Is your student driving an older car? If it's totaled, can you afford to replace it, on your own? You may want to reduce your collision coverage and drop comprehensive coverage for the vehicle – and save up to half of your current premium. 
  • Check with your insurance agent. To see what discounts you may qualify for and to ensure you have adequate coverage while away at school, call your agent. And if you think you're overpaying, use your back-to-school review as an opportunity to shop around. 


About AAA Colorado

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