College Bound

College BoundYou can’t follow your kids off to college. Luckily, your insurance coverage can.


For ERIE Policyholder Ellen Hobby, it was an ordinary Thursday morning before she got the voicemail message from her son, James. Late the night before, the college student in Savannah, Ga., had been robbed at gunpoint.


“I listened in horror as James told me what had happened,” Ellen recalls. “The perpetrators took his wallet, phone, keys and, of course, the car.” As the thieves made their getaway, James was shaken, but safe.


The car was not.


The carjackers had bailed out of the moving vehicle in an attempt to elude police, leaving the still-running car to crash into the living room of a nearby home. There were no injuries, though the homeowners were understandably surprised.


“At least they found the car,” Ellen said, doing her best to keep a sense of humor after the stressful incident.


Parenting a child from a distance is hard for any parent without having something like this happen.  For help use the checklist below to prepare for your children’s college experience.


Five things to discuss with your ERIE Agent before the semester begins.


  1. Auto insurance – Your household might get a discount when your child goes off to school and leaves his or her car behind. Or, if the ride is going to school, too, an extra review beforehand can make sure everyone is fully protected.
  2. Homeowners insurance – Usually the belongings of your child-turned-college-student will be covered by your homeowners, but it’s best to be sure.
  3. Renters insurance – This is especially important to discuss if your son or daughter is moving from dorm to apartment, just to be doubly sure everything is covered.
  4. Life – If student loans are involved, life insurance can help in the case of an unexpected tragedy. If a tragedy never occurs (thankfully), a student can opt to carry on the life insurance to the next stage of life.
  5. Personal Catastrophe Liability (PCL) – Accidents happen unexpectedly. Extra liability coverage, commonly called an umbrella policy, can help protect you should a lawsuit ensue from a big mistake.

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