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Car Sense

Back to College Q & A

Is your child among the million students heading back to college any day now? If so, you’re probably busy helping them gather all the things they need for life away from home.

One of the things that you’ll want to discuss with them before they go back to college is how to keep their car and their belongings safe and protected. Here are some answers to a few of the most common questions that parents of college students often ask us.

Are my child’s belongings covered by my homeowners policy when she goes back to college?

That’s a great question. Students also often take expensive items to school like laptops, bikes and TVs, which can be pricey to replace if damaged or stolen items. The good news is that most insurers’ homeowners policies are designed to cover your child if something is stolen or destroyed.

At Erie Insurance, full-time students under the age of 24 are automatically covered under their parents’ policy. Part-time students and/or students who are 24 and older may need to take out a renters insurance policy to protect themselves and their belongings. 

Does insurance coverage differ if my child is living in a dorm versus an apartment?

Your children’s personal property is generally covered under your homeowners policy if they’re away from home. However, when students choose to live in an apartment, they should consider purchasing a separate renters insurance policy, which can provide for additional living expenses if an apartment becomes uninhabitable because of something like a fire. 

What steps can my child take to safeguard her belongings?

It’s a good idea to talk with your child about this since more than 13,500 burglaries were reported on U.S. campuses in 2014. In addition to taking personal safety precautions, your child will also want to keep these tips in mind:

  • Always lock the doors. Sounds obvious, but most dorm thefts occur during the day.
  • Fireproof things. Don’t leave candles, cigarettes and grills—the most common causes of fires—unattended. To be extra safe, consider flameless candles, indoor grills and simply kicking the habit.
  • Create a home inventory. It is much easier to submit a claim if you save all receipts from major purchases, make a detailed list of everything of value in your home, and photograph or videotape your possessions.
  • Safeguard pricier items—or just leave them at home. Bikes, jewelry, watches and laptops are some of the biggest targets of theft. So be sure to lock them up or leave them at a trusted residence that doesn’t have a high level of foot traffic.

Another thing to keep in mind is that most insurers limit how much they will pay for theft of any one item (at Erie Insurance, the limit is $3,000). If a prized possession is worth more, you may want to add coverage.

You may also want to add identity theft coverage to your policy. At Erie Insurance, it’s automatically included in many policies and it helps a victim recover after identity theft or fraud. Talk with an Erie Insurance agent to learn more about identity recovery coverage.

Do I need to make any adjustments to my child’s auto coverage if she’s away at school?

Because you’ll have one less driver living at home when your son or daughter goes off to college, your household might get a discount if the child doesn’t take the car to college.* If your child does take a car to school, review your coverage with an insurance agent to make sure he or she is properly insured. 

Are college kids eligible for any discounts?

This is an important question to ask your insurance agent. Erie Insurance has a college student auto discount that applies to young, unmarried, full-time college students who spend most of the year away from home without the use of a vehicle. If you’re renting and buy your car insurance and your renters insurance together from ERIE, you may be eligible for a multi-policy discount.* Ask an Erie Insurance agent if you’re eligible for this type of discount.

*Discounts subject to eligibility and applicable rates and rules. Not available in all states

Know a student heading back to campus? If so, it’s important to know how to keep their car and their belongings safe and protected. /blog/back-to-college Erie Insurance https://www.erieinsurance.com/-/media/images/erieinsurance/erieinsurancelogo.png

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.


The insurance products and rates, if applicable, described in this blog are in effect as of August 2017 and may be changed at any time. 


Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. 


The insurance products and services described in this blog are not offered in all states.  ERIE life insurance and annuity products are not available in New York.  ERIE Medicare supplement products are not available in the District of Columbia, New York and Wisconsin.  ERIE long term care products are not available in the District of Columbia and New York. 


Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.


Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.