back to school insurance

Back to School Insurance Checkup!

With school starting in the next week or two, it’s important to do a quick insurance check up. The new school year is here, and it’s the perfect opportunity to reevaluate your insurance policies. There could be changes this year, so it’s never a bad idea to give your coverage a tune up to prepare for the future.


Auto Insurance

Your student may be getting their driver’s license this year, your auto insurance policy might need an update. When you add a teen driver, you might see an increase in your policy rates. This is a great time to ask your agent about potential auto insurance discounts. Students with good grades typically qualify for insurance discounts. With your child behind the wheel for the first time, you may want to consider the amount of coverage you have – just in case of a fender bender.

If your student is going away to college, and they are planning on taking their car, it could affect your insurance premiums. If your student goes to college over 100 miles away, it could raise your rates! Contact your insurance agent to ask about how this could affect you. Alternatively, if your student is going to school far away and does not bring their car, you could be eligible for a distant student discount.


Homeowners Insurance

If you have a student who is moving into the dorms, you may need to up your homeowners insurance. Your homeowners insurance policy may extend to cover some of the valuables your students brings to school. If they are bringing a lot of expensive items, you may need to increase your coverage limits. You can also get a specialty insurance policy for valuables. Since fall is right around the corner, this is a great time to prep your home for some colder weather. This could mean cleaning your gutters, cleaning out your chimney, or even doing some roof repairs. Check out our infographic for more cold weather preparation tips!


Renters Insurance

If you student is renting an apartment off campus, then they may want to look into renters insurance. While the landlord will have their own insurance policy, it won’t cover all the tenant’s contents. Getting a renters’ insurance policy will help protect your student’s belongings in the event something happens.


Insurance for Winter

As the cold weather approaches, this is a good time to think about adjusting your coverage for colder weather. If you have a motorcycle, consider adjusting your motorcycle insurance policy since you won’t be able to use it in the winter. By increasing your deductible, you can lower your premium. This makes sense because there’s a much lower chance that your motorcycle will be damage while sitting in the garage. If you have fun winter toys, such as a snowmobile, this is a good time to consider your insurance for it. If you’ve increased your deductible during the warmer months, you may want to lower them in preparation for the winter.


As the kids go back to school and the leaves change color, it’s the perfect time to call up your agent to talk through your policies. They will know what coverage you need for your lifestyle! They can also help answer any questions you may have about coverage. Especially if you student is going to college for the first time, it could mean a big change in your coverage!


Talk to an Encharter agent at 888.754.8299 to discuss insurance for this upcoming school year!

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