Published on Fri, 08/28/2015 by RBC Insurance

Be sure to pack your insurance before heading off to school this fall

For parents and post-secondary students making final arrangements to return to school this fall, there are a lot of things to think about. For those students who are living on their own for the first time, the “to-do” list seems to be never-ending. One item that many people overlook is the need for insurance.

“Parents need to realize the importance of setting up a proper Home Insurance policy for post-secondary students in the event of theft, loss or vandalism” explains Paula Bandi, Senior Product Manager, Home, RBC Insurance. “Most home insurance policies will extend coverage to your child while they are living in residence or off-campus. These policies may have exclusions or limits for valuable items such as electronics & jewelry, so parents must ensure that coverage is sufficient.”

RBC Insurance offers these helpful tips for students to consider when heading off to post-secondary:

  • To ensure your personal property is kept safe, make it a habit to lock your door every time you leave your room/ housing unit
  • Consider only taking school essentials and leaving valuable items at home
  • Make an inventory of valuable items, and take pictures as proof of ownership
  • Do not leave personal items unattended in the classroom, library or cafeteria

Don’t forget about Auto Insurance:

  • If your student is not taking the family car, they will still be an occasional driver when they return home, and therefore will need insurance. Check with your insurance provider about student discounts
  • Consider calling your insurance provider to ask about how your student is protected in scenarios such as if he/she borrows a friend's car to drive or gets into an accident while riding their bike
  • If your student is taking a car with them for the duration of school, look into making changes on your current policy or obtaining separate auto insurance. Ask for student discounts

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