Insurance Coverage For Students Away From Home

Aug 29 2018 3 min read

The fastest time in history for men running the 100 meters is 9.59 seconds held by Usain Bolt of Jamaica in 2009, the fastest speed ever recorded for a two-seat sports car happened on February 14, 2014 at 270.49 mph (435.31 km/h) in a Hennessey Venom GT supercar, but more importantly, as all parents and students are painfully aware – the fasted period of time ever experienced by anyone are the months of summer vacation. The end of summer is near!

In the coming weeks, your sons and daughters will be returning to the classroom. For some, there is anticipated excitement as they progress to the next grade level or begin the first day attending a new school; however, for thousands, it will mark their first time away from home as they embark on their post-secondary education at college or university.

Although we can not aid in the preparation of these young adults for life on their own, we can assist in providing the insurance protection required during this transition and worrisome time for mom and dad. Hopefully, you have advised your insurance agent of the upcoming life event for your family and discussed any necessary policy changes to your home or auto coverage.


Extensions for students away at school may vary depending on your insurance company. It is essential that you ask questions and provide any necessary information to your insurance agent. Generally, there are two concerns for your child now living on campus or private housing such as a residence or an apartment, they are liability and contents.

Many homeowner insurance policies include limits for personal property already covered under your insurance package for students while residing away from home. We understand that students take much more in value than just the ordinary clothes and books when they head off to school. The Erie Mutual Insurance plus form policy offers coverage for your student up to a limit of $10,000 for their personal property (definition of a student must be adhered to in order to qualify).

Liability can easily be extended to include the additional location and amended should your son or daughter move off campus, find a new apartment, or even change schools, throughout this time away. Students are often required to provide proof of liability insurance to their landlord, the concern, of course, is to ensure there is adequate coverage should they be liable for damage caused by negligence (some examples could include leaving a bathtub, shower or sink tap running resulting in water damage or an unattended stove leading to possible fire or smoke damage to their unit or surrounding units within the building).

For those students who may not have the benefit of extensions from the residential insurance policy of their parents, we recommend a tenant insurance policy. An application is easy to complete with an insurance agent and the cost is very affordable, even on a student budget. You will enjoy the same insurance protection as the aforementioned, including both liability and contents coverage, according to your needs and limits requested.


If the young driver is taking one of the family vehicles away to school with them, we need to rate it accordingly. The territory in which they are temporarily living will be taken into account and the auto insurance policy must be amended to reflect they are the principal operator of the vehicle at this time.

If you have determined that full access to a vehicle is not essential and that an automobile will not be leaving home with the student then quite often insurers offer a discount to the occasional driver rate that you are currently paying. Depending on the distance of the school from home your Erie Mutual auto insurance policy could be eligible for a discount of 35% (school is less than 150 km from home) or 60% if the school is in excess of 150km from your home. The further away usually means it is less likely the student is home as often to drive the family car.

Be sure to contact your current insurance agent or broker for both the home and auto coverage your student will require. It may not relieve the stress and anxiety of final exams or your kids first time away, but it will provide some peace of mind knowing that if an incident does occur your insurance coverage offers the proper protection.


Article Written by Darcy Johnson

Erie Mutual Insurance Manager – Sales, Marketing & Business Development

Please contact us with any questions you may have about this or any other topic related to your insurance.

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