Attending college in Bethlehem, PA does not necessarily mean that all of your personal belongings are covered by your parent’s homeowner’s insurance policy. Depending on the situation, you may need to purchase additional protection for your belongings.

Living in the Dorms

Although every insurance policy is different, it is possible that you may be covered under your parent’s homeowner’s policy if you are living in the dorms at your university. The reason is that insurers do not usually consider the dorms at a university as moving out of your parent’s home.

As long as you are still living at home and attending college while staying in the dorms, you may have coverage under your parents. Even though that may apply in many cases, your parents will need to evaluate their policy to determine if you are still covered based on the details of their plan. Some policies may not offer protection for students who are staying on campus.

Renting an Apartment

Renting an apartment might seem like a financially savvy solution if your university has a high cost for dorms, but it can also mean that you are no longer covered under your parents. Any belongings that you own in a rented space are your responsibility to maintain.

If you are not covered under your parents, then you may need to consider a renter’s policy to protect your personal belongings. The policy is designed to protect personal belongings and prevent liability concerns from arising.

Moving away from home is challenging, but that does not always mean that you must seek coverage for your belongings. In some cases, you may still have protection under your parent’s plan. Contact us to talk to an agent to learn more about the coverage that is available for your needs.