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Insurance tips for college students and their belongings

Plus a few things parents of college students should be aware of regarding insurance.

Sending your son or daughter to college is an experience that comes with exhilaration, stress, and a measure of anxiety. Relieve some of that worry by giving your young adults these safety tips for keeping themselves and their belongings secure while they're away from home.

Tips for students

  • Tour the campus during the day to familiarize yourself with the facilities and the locations of emergency phones.
  • Tell a friend or roommate where you're going before venturing out.
  • Avoid leaving your electronics, school bag, or other belongings unattended.
  • Report suspicious people or vehicles to campus security.
  • Avoid walking alone on campus, especially at night. If you don't have someone with you, call security and request an escort.
  • Travel along well-lit paths around campus rather than taking shortcuts through side streets and alleyways.
  • Be alert to your surroundings. Remove your headphones and pocket your phone.
  • Keep your keys out when walking to your vehicle, dorm, or apartment.
  • Purchase pepper spray and a whistle to attach to your keychain or store in your bag.
  • Lock all doors and windows when you're sleeping or away from your room.
  • Never invite strangers into your apartment or residence hall.
  • Take an inventory of the items you bring to school. Valuables should be left at home.
  • Document the serial numbers on your electronics. Knowing these numbers could make the items easier to locate if stolen.
  • Follow your residence hall's policy for cooking, extension cords, and candles. If candles are permitted, keep a close eye while they burn and never leave a candle burning when you are not in the room.
  • Only drink if you're of legal age, and do so responsibly. Pour your own beverages, keep track of your glass, and arrange for a designated driver or taxi to take you home.

Tips for parents

Before the school year starts, talk to your State Farm® agent about your student's insurance needs.

  • A personal articles policy can provide additional coverage for electronics, musical instruments, sports equipment, and more.
  • Renters insurance can help protect against property loss and liability in off-campus housing.
  • If your student will be taking a vehicle to school, make sure he or she is adequately insured. Remind your student that insurance rates may be impacted negatively as a result of traffic violations — and positively with potential discounts for good grades.

The information in this article was obtained from various sources not associated with State Farm®. While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. These suggestions are not a complete list of every loss control measure. The information is not intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. Nor is it intended to effect coverage under our policy. State Farm makes no guarantees of results from use of this information.


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