Shopping, packing, saying goodbyes. Going off to college is a busy time. But don’t forget to build in time to talk to your college student about using their health plan and staying safe in their dorm or apartment.
Most health plans pay for visits to urgent care clinics or virtual doctors. Call your plan or go to their website to find out which urgent care centers are nearby and in your plan’s network. Please note that an urgent care center operator that is in network in your hometown may not be in network where your student is living.
Probably not. If your student comes home on weekends or holidays and wants to drive, they’ll need auto insurance. The same goes for driving a friend’s car. You’ll want them to have insurance.
Look for sprinkler systems in the units and hallways. If the building has a fire alarm, ask if there is a beep or a voice telling people to evacuate. Also find out what the evacuation plan is, like the safest routes to get out and where to go.
Your homeowners policy will cover your student’s stuff in an apartment, but the coverage is limited. Renters insurance will offer more coverage and usually pays if your student needs to move if their unit is damaged. The landlord’s insurance covers only the building itself, not your student’s personal property if it’s damaged by a fire or pipe burst.
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