Understanding Insurance for College Students

Learn what type of insurance coverage college students may need and find the best options through AAA Ohio.

How does insurance for college students work? From the best car insurance for college students to renters insurance in an apartment, it’s important to consider additional expenses when at school.

Full-time college students living away from home should know they might have limited coverage under their parents’ insurance policies. Before leaving for college, check to see what risks and liabilities your insurance policy covers.

  • If students live in a dorm, their parents’ homeowners or renters policy covers most personal possessions. However, expensive items like computers and other electronics might be subject to coverage limits under a standard homeowners policy. If the limits are too low, you may want to consider purchasing the best renters insurance for college students.
  • Students living off-campus need renters insurance. Renters insurance protects students and their belongings and can keep them from being liable if someone accidentally gets injured on the property.
  • Auto insurance for college students may depend on whether your student leaves home or stays in the area. If your student brings a car to campus and remains on your policy, coverage likely still applies. If they attend an out-of-state school, make sure insurance coverage follows them.

AAA Ohio Auto Club Insurance Agency offers policies for homeowners, renters, auto and more. With questions about insurance for college students, contact a AAA insurance agent at AAA.com/Insurance or by calling (800) 288-4467.