Back-to-School Insurance Considerations for Families

Back-to-school season often means new routines, responsibilities, and transitions for families. Whether you have a teenager driving to high school, a college student living away from home, or you are setting up carpools with neighbors, this time of year is a great reminder to review your insurance needs.

Teen Drivers on the Road

When a teenager earns their driver’s license, it brings both freedom and responsibility. Teen drivers may face higher risks due to limited experience. Adding a young driver to your auto policy can help provide the protection your family needs. It is also an opportunity to set clear safety expectations, like avoiding distractions and always wearing seat belts.

Carpooling with Neighbors

Many parents rely on carpools to manage busy schedules. If you are driving other children to school, your auto insurance policy may help cover you in the event of an accident. Keep in mind, though, that a personal auto policy generally does not apply if you are receiving payment for the rides, since that may be considered commercial use. Carpooling as part of a shared family arrangement is different from being paid to provide rides, which could require separate coverage. Reviewing your liability limits can also help you feel confident when transporting passengers.

College Students at Home

If your student is living at home while attending college, they may still be fully covered under your existing policies. For example, their belongings at home may be protected by your homeowners or renters policy. However, if they commute daily, it is worth checking how their auto usage might affect your policy.

College Students Away from Home

Students living away from home may have different needs depending on where they reside. If they live in an on-campus dorm, your homeowners or renters policy may help extend limited coverage for their belongings. However, this usually does not apply to off-campus apartments. In those cases, a separate renters insurance policy is typically recommended to help cover personal items such as laptops, bicycles, or furniture. Additionally, if your student takes a car to school, you may need to update your auto policy with their new location.

Other Back-to-School Considerations

• Technology: Tablets, laptops, and phones used for schoolwork are valuable. Confirm how your insurance may respond if they are lost or stolen.
• Sports and Activities: Participation in extracurricular activities can increase the chances of injury. Having the right health coverage in place is important.
• Schedule Changes: With new routines and busier roads, accidents can increase during back-to-school season. A review of your coverage limits can help you feel more prepared.

Stay Prepared This School Year

Back-to-school season is more than buying new supplies. It is also about making sure your family’s protection keeps up with new challenges and milestones.

If you would like to review your insurance options, reach out to Richard B. Ryon Insurance. You can contact us today to discuss your family’s needs and ensure you are starting the school year with confidence.