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Insurance Checkup: College Kids Return Home

daughter and mother .

According to the U.S. Census Bureau, the most popular living arrangement for young adults is to live with their parents.

When your college graduate moves back in with you, one topic to address is insurance.  Here are a few things to think through when filling back up that empty nest.

Check up on Auto Insurance

An auto policy might cover the person named on the declaration page along with the spouse and resident family members. In theory, this sounds like all should be okay. But, are you sure you are truly covered?

With your child returning home now it might be useful to consider things such as whether the child should be added back on to your policy or whether a vehicle owned by your child should be on your policy or their own.

Do not risk the hundreds, or even thousands, of dollars you could lose if there is an accident and no coverage for that graduate of yours. Contact your insurance agent to explore all of your options.

Check up on Personal Property Insurance Coverage

A renters or homeowners policy can provide coverage for the possessions of college students when they are away at school. When they are no longer full-time students and have moved back home, it is questionable whether or not the policy covers their personal possessions. Suppose, for example, that your children have invested in an array of electronic devices, or your daughter has received expensive jewelry from a boyfriend or fiancé, and it is stolen. Is that covered under your current policy? Check with your insurance agent to verify and add coverage as needed.

Now Is a Good Time for an “Insurance Check-up”

When you started your current insurance policy you might not have planned for your college graduate to return home. — Check with your local independent insurance agent to review your current policy to determine any potential gaps in your coverage.

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