Keep child safe at college – Secure the proper insurance protection today

shutterstock_218158654One of the proudest moments in a parent’s life is watching their child go off to college. At OceanPoint Insurance, our job is to make sure you are prepared for all of life’s important events.

When students leave for college all of their expensive items go with them – cell phones, laptops, TV’s, etc. It is important to be aware of the factors that determine if these items will be covered by insurance. If your child will be living in a dorm on campus, his or her personal property will typically be covered under your homeowners insurance policy. However, you may want to check your policy for coverage limitations on certain high-priced items.

If your child will be living off campus, his or her personal property is usually not covered under your homeowners insurance policy. In that case, you should consider adding a renter’s insurance policy to protect his or her possessions.

Parents should also review their auto insurance options while their child is away. If he or she is not taking a car, there are other options available before dropping them entirely from your auto policy to save money.

Some insurance companies offer a Distant Student Discount for college students with no access to a car except over breaks and vacations. Requirements vary by insurance provider, but in order to be eligible students typically must be at least 100 miles away from home, be attending school full time, and under the age of 23.

As a full time student, your child may also qualify for a Good Student Discount if he or she maintains a grade point average of 3.0 or higher.

OceanPoint reminds you if your child is going away to school and taking a car, it is crucial you inform us immediately. Insurance coverage and laws vary from state to state, so if your child is attending school out of state we will need to update your policy. In addition, your child may need to be listed as the primary operator if he or she is taking a family vehicle.

Call your OceanPoint Insurance agent at 401.847.5200 to review your savings options. We’ll help you keep your child safe, even when you can’t be there to protect them.

Benefits of combining polices with OceanPoint

At OceanPoint Insurance, our agents are always looking for new innovative ways to save you money and enhance your coverage. Did you know that by simply combining two or more policies could save you hundreds annually?

As an independent insurance agency, we represent over 25 insurance companies. We have the ability to shop around for multi-policy discounts, giving you more options for bundled plans. As an added benefit, OceanPoint also has the ability to switch your policies to another carrier, if your current carrier changes their pricing structure.

Combining your policies not only saves you money – it saves you valuable time. Placing all of your policies with OceanPoint means convenience when paying bills and filing a claim. If any questions arise you have one knowledgeable contact at a local agency, rather then a representative who is not familiar with you or your account.

OceanPoint Insurance provides you choices. We are dedicated to your total protection and are committed to treating you as a person, not a policy.

Call OceanPoint Insurance at 401.847.5200 to discuss your options for combining policies.