As students prepare to head off to college, whether it’s in Vermont or across state lines, there’s more to think about than packing boxes and buying books. For both students and parents, the transition to campus life comes with important decisions, responsibilities, and opportunities to plan ahead.
At T.S. Peck Insurance, we work with families across Vermont to help them feel more confident and prepared during the back-to-school season. Below are practical tips for college-bound students and their parents, including considerations that may impact your insurance needs.
What Should College Students Pack?
Most college checklists include dorm essentials like bedding, toiletries, and school supplies. But it’s also important to pack smart when it comes to valuables and everyday living.
Encourage your student to bring only what they really need. Dorm rooms and student apartments don’t usually have much storage, and clutter can increase the risk of damage or loss. If your student is bringing electronics, like laptops, tablets, or gaming systems, make sure they’re transported safely and documented with serial numbers and photos.
Don’t forget other essentials like surge protectors, a lockbox for important items, and copies of ID and insurance cards. It’s also wise to bring a basic first-aid kit, flashlight, and small toolkit.
Are a Student’s Belongings Covered by Parents’ Insurance?
In some cases, personal property in a college dorm may be partially covered under a parent’s homeowners insurance policy. However, this often comes with specific limitations and may not extend to students living in off-campus housing.
For students renting an apartment in Vermont or elsewhere, a renters insurance policy may offer added peace of mind. It can help protect against loss or damage due to theft, fire, or certain weather-related events, and may also include liability coverage.
Since every policy is different, it’s a good idea to speak with your insurance provider to better understand what coverage is available. T.S. Peck Insurance can help Vermont families review options that are tailored to their needs.
Should College Students Have Their Own Renters Insurance?
If your student is living off campus, especially in an apartment not owned by the school, then yes, it’s worth exploring a renters insurance policy. These policies are typically affordable and can offer valuable protection.
Renters insurance may cover:
- Personal belongings like electronics, furniture, and clothing
- Temporary living expenses if the unit becomes uninhabitable due to a covered event
- Liability claims if your student is held responsible for damages or injuries to others
For Vermont students sharing housing, individual policies might be available, or roommates may need separate coverage. Our team at T.S. Peck Insurance can walk you through the options and help find the right fit.
What Should Families Know About Car Insurance for College Students?
If your student is bringing a car to college, it’s essential to check your current car insurance policy to see how coverage applies. Factors like where the vehicle is garaged and how often it’s driven could impact the policy.
Students attending school out of state may need updated coverage based on local requirements. On the other hand, if your student is leaving the car behind in Vermont, there could be opportunities for policy adjustments or discounts, such as a “student away at school” credit.
Additionally, some insurers offer discounts for good grades or for completing a defensive driving course. Our agents can help you identify potential savings and ensure your coverage matches your student’s situation.
How Can Students Protect Electronics and Valuables?
Laptops, phones, headphones, and other gadgets are essential tools for college students; but they’re also common targets for theft or accidental damage.
Here are a few ways to protect them:
- Use strong, unique passwords and enable multi-factor authentication
- Keep devices stored securely when not in use
- Use cloud-based backup services for important documents
- Register electronics with campus security, if available
- Consider a durable, water-resistant laptop case or sleeve
Before your student moves in, take inventory of the high-value items they’ll be bringing. This list can be helpful if you need to file a claim later.
What If a Student Needs to File an Insurance Claim While at School?
Filing a claim while away from home can be stressful if your student isn’t prepared. That’s why it’s a good idea to walk through the process before move-in day.
Make sure your student knows:
- What type of coverage they have (homeowners, renters, or auto)
- How to report a claim and who to contact
- Where to find policy numbers and agent contact information
- What types of events are and are not typically covered
Our team at T.S. Peck Insurance is always available to answer questions and support families throughout Vermont, no matter where your student is attending school.
How Can Parents and Students Stay Ahead of the Unexpected?
College is full of new experiences; some planned, some unexpected. From illnesses and injuries to property damage and travel disruptions, having a basic safety and contingency plan can go a long way.
Here are a few tips:
- Make sure students know how to access healthcare services on or near campus
- Keep emergency contact information up to date
- Store digital copies of important documents securely
- Encourage students to register for campus alert systems
As a family, talk through “what if” scenarios, like what to do if your student loses their phone, gets locked out, or has to evacuate during severe weather. These conversations can empower students to act calmly and confidently in tough situations.
How Can T.S. Peck Insurance Help Vermont Families Prepare for College Life?
At T.S. Peck Insurance, we understand that sending a child to college is both exciting and overwhelming. We’re here to support Vermont families with guidance, clarity, and personal service—whether you’re updating an existing policy, exploring renters insurance, or adjusting auto coverage.
Our local, independent team is happy to walk you through your options and help you make informed decisions that fit your unique needs. Contact T.S. Peck Insurance today to schedule a policy review or learn more about how we can help protect what matters most, at home and on campus.