Back-to-School Insurance Checklist for Pennsylvania Families
September means back-to-school season is officially here. While you’re organizing supply lists, sports schedules, and permission slips, it’s also the perfect time to review your personal insurance policies. Whether you have a kindergartener, a high school student, or a college freshman, making sure your coverage is up to date can give your family peace of mind all year long.
1. Auto Insurance: Is Your Teen Driving?
If your teen is driving to school, work, or after-school activities, now is the time to double-check your auto insurance policy. Ensuring they’re properly listed and covered helps protect you in the event of an accident—and keeps your policy compliant with Pennsylvania state insurance requirements.
2. Renters Insurance for College Students
For students living off-campus, renters insurance is an affordable way to protect their belongings, including laptops, clothing, furniture, and other valuables. It can also provide liability coverage, which is especially important for college living. A small monthly cost can save thousands if something goes wrong.
3. Umbrella Insurance for Extra Protection
If you carpool, host team dinners, volunteer at school events, or have a home full of visiting kids and friends, an umbrella insurance policy adds a valuable layer of protection above your auto and homeowners coverage. It’s an easy way to increase your liability limits for added peace of mind.
4. Health Insurance for Students
Children under 26 can typically remain on their parents’ health insurance. However, if your child is attending college out of state, check whether healthcare providers near campus are considered in-network. Planning ahead can help avoid unexpected medical costs during the school year.
Preparing for a new school year isn’t just about backpacks and bus routes—it’s also about making sure your family’s insurance coverage fits your needs. If you’d like help reviewing or updating your policies, the team at Insurance Freedom Associates is here to guide you every step of the way.