As students head back to school in 2025, it’s not just about books, schedules, and new routines. For many families, it’s also the perfect time to review and update insurance coverage—especially if your child is moving into a dorm, renting an apartment, or heading off to college for the first time.
Here are essential insurance tips to help protect students and bring peace of mind to parents this academic year.
1. Health Insurance: Know What’s Covered
Most college students are covered by their parents’ health insurance plans, but it’s important to confirm:
- The plan includes out-of-state coverage, if applicable
- The student knows how to access providers and services near campus
- You have a copy of the insurance card and emergency contacts
Alternatively, some universities offer student health plans that may be more affordable or better suited to campus needs.
2. Renter’s Insurance: Protect Belongings in Dorms or Apartments
Laptops, smartphones, bikes, and other valuables are at risk of theft, fire, or damage in shared housing. Renter’s insurance covers personal property and liability, and it’s surprisingly affordable—often under $15/month.
Check if your homeowners policy extends to a student’s dorm; if not, a standalone policy might be a smart move.
3. Auto Insurance: Update Drivers and Locations
If your child is taking a car to school or leaving it at home, you may need to:
- Add or remove drivers from your policy
- Adjust the vehicle’s garaging address
- Check for student discounts offered by many insurers for good grades or limited use
Some companies offer “resident student” or “away-at-school” discounts if the student doesn’t regularly use the car.
4. Identity Theft Protection: Extra Peace of Mind
College students are frequent targets of phishing and data theft. Many insurance providers offer identity theft add-ons that monitor accounts and help resolve issues quickly.
A small investment here can save major headaches later.
5. Encourage Insurance Awareness
Even if you manage the policies, help your student learn the basics:
- What to do in case of a claim
- Who to contact in an emergency
- How to access the insurance app or online portal
Starting early builds responsible habits for adulthood.
Final Thoughts
Heading back to school is a big transition—but it’s also a great opportunity to prepare for the unexpected. From protecting personal items to ensuring proper medical coverage, a few simple updates can prevent major stress later on.
In 2025, insurance has never been more digital or customizable—making it easier than ever to stay protected during the school year.