When
kids hit college, they’ll reach an entirely new level of independence. With
unstructured time and the freedom to make their own day-to-day decisions,
they’ll still need support from you. Here are some campus life
issues to discuss.
Keep possessions safe
College campuses and
especially dormitories bring thousands of young people into one small area.
That’s why it’s important to urge your student to keep their door locked
whenever they leave the room for any length of time. It only takes seconds for
an opportunistic thief to slip and disappear with their laptop or other
valuable items. Also, have a talk with your insurance agent. If your college
lists your house as their permanent address, your homeowners insurance coverage
would most likely extend to your student’s belongings in the dorm. Find out what’s covered and what isn’t.
Don’t leave them uninsured
Once your student lives
off-campus at their first apartment, that simple carry-over homeowners coverage
may disappear.
In that case, a separate renters insurance policy in your student’s name can
offer protection, so your student doesn’t have to start from scratch. The good
news is that these low-cost policies are often affordable, even for
college students living on slender budgets. To learn more, contact an ERIE agent.
Check your auto insurance
Every
student’s situation varies, and different situations will have different
impacts on auto insurance costs. For example, costs could increase if your
student brings their car on campus, especially in an urban setting. Some
parents see a discount if their student leaves the car at home. To
learn more, get in touch with an ERIE agent.
Have the talk about drinking
Good
news: According to WebMD, binge drinking among college students is on a downward trend, and so is driving while impaired. Still, 37 percent of
students say they consumed four or more drinks in one sitting, and 17
percent report driving while impaired. Before your student heads to campus,
talk about the risks of indulging too much, such as accidents, hypothermia,
injuries and impulsive behavior. Along with that, brainstorm strategies so they
know what to do to keep themselves and their friends safe.
