As summer comes to an end and students head back to school, many Colorado families are busy shopping for supplies, adjusting schedules, and preparing for a new school year. It's also the perfect time to review your insurance coverage.
Whether you're driving children to school, sending a student to college, or welcoming a new teen driver, a few simple insurance updates can help protect your family from unexpected situations.
Review Your Auto Insurance Before the School Year Starts
The school year often means more time on the road. Morning drop-offs, afternoon pickups, after-school activities, and sports practices all increase the amount of time families spend driving. Take a few minutes to review your auto insurance policy and make sure you have appropriate liability limits, collision coverage, comprehensive coverage, roadside assistance, and rental reimbursement if needed.
Is Your Teen Driver Properly Insured?
Adding a new driver to your policy is one of the biggest insurance changes many families experience. Before your teenager begins driving, talk with your insurance professional about available discounts for good students, safe driving programs, appropriate liability limits, and vehicle choices that may affect premiums. Teaching safe driving habits is just as important as having the right insurance coverage.
College Students Living Away from Home
If your child is moving into a dorm or apartment, don't assume their belongings are automatically covered. Depending on your policy, personal property may have limited protection, but students renting an apartment often benefit from having their own renter's insurance policy. Renters insurance can help protect laptops, tablets, clothing, furniture, bicycles, and electronics.
Keep an Emergency Kit in Your Vehicle
Colorado weather can change quickly, especially during the fall and winter months. Consider keeping a flashlight, first-aid kit, jumper cables, phone charger, blanket, bottled water, and basic tools in your vehicle. Being prepared can make a stressful situation much easier to manage.
Update Your Emergency Contact Information
If you've recently changed your address, phone number, email address, or drivers in your household, be sure to notify your insurance company. Keeping your policy information current helps prevent delays if you ever need to file a claim.
Review Your Homeowners Insurance
Back-to-school season often means families are purchasing computers, laptops, tablets, gaming systems, and musical instruments. If you've recently purchased expensive electronics or other valuables, review your homeowner's insurance policy to understand what's covered.
Teach Your Family What to Do After an Accident
Every driver in your household should know the basic steps after an accident: stay calm, check for injuries, move to a safe location if possible, call the police when appropriate, exchange information, take photos of the scene, and contact your insurance company promptly.
Frequently Asked Questions
Should I notify my insurance company if my teenager starts driving?
Yes. Any licensed household driver should generally be disclosed to your insurance company to ensure your policy accurately reflects your household.
Is renters insurance worth it for college students?
In many cases, yes. Renters insurance can provide valuable protection for personal belongings and may also include personal liability coverage.
Can I receive discounts for a good student?
Many insurance companies offer discounts for students who meet certain academic requirements. Ask your insurance professional what programs may be available.
Final Thoughts
Back-to-school season is about more than buying supplies—it's also a great opportunity to make sure your family's insurance coverage still fits your needs. At ABIM Insurance, we're here to help Colorado families understand their coverage and make informed decisions. If you'd like a complimentary policy review or have questions about your current insurance, we're happy to help.