College Coverage Q&A

Here is a list of questions we’re commonly asked from parents about how their insurance coverage extends to kids in college. The answers assume you have insurance coverage through WEA Property & Casualty Insurance Company. If your policy is with another provider, call your agent for information about your coverage.

 

Q:

Does having a child away at college affect my auto insurance?

A:

Yes. If a dependent child is away at school (100 miles or more away from home) without a car, we may be able to adjust the rate for that driver to a lower usage and maybe reduce your premium. The lower rate is based on the idea that the student will only be home during holidays and summertime. If your child has a car at college, give us a call so we can adjust the policy to reflect that the vehicle is garaged in another location.

   
Q:

Are my child’s belongings covered under my home insurance while they attend college?

A:

Yes. Whether your dependent child is living in a dorm or renting an apartment while attending college, they are covered by your WEA Property & Casualty home policy (up to 10% of the personal property limit in your policy—subject to deductibles and coverages in your policy). For example, if you have $100,000 in personal property coverage, then each student living away from home has the equivalent of $10,000 worth of coverage.

   
Q:

My insured college student left his laptop unattended at the library and it was stolen. Is it covered?

A:

Yes, as long as it‘s a theft and a police report is filed. If, however, the laptop is lost or gets doused with a can of soda, you’ll be out of luck unless you add a rider to your policy. For about $35 a year you can protect the new laptop against additional risks such as loss and damage, and deductibles don’t apply.

   
Q:

My insured college student and her roommates hosted a party at their off-campus apartment. A guest at the party was injured. Will my home policy provide coverage for the injured person?

A:

There is liability coverage for the actions of your child under your policy (excluding automobile liability and some other specific types of liability). Injuries resulting from the physical condition of the residence outside of your child’s control or actions of a roommate are not covered.

 

For more answers to your questions call us at 1-800-279-4010 (for personal insurance) or 1-800-279-4030 (for retirement and investment services).

Underwritten by WEA Property & Casualty Insurance Company. Subject to eligibility and underwriting requirements

your insurance promo

ira thanks

Rollover