Does Home Insurance Cover University and College Students?

August 24, 2022

Yes, your home insurance policy will cover your son’s or daughter’s belongings when they are away at college or university, if their primary address is the one listed in your policy.

When doesn’t my home insurance cover my child’s belongings?

If your college or university student’s address is now different from the one listed on your home insurance policy, they need renters’ insurance to cover their belongings.

Talk to your Western Coast insurance expert about renter’s insurance for university and college students. We have the knowledge and expertise to guide you through this process.

Why do college and university students need renters’ insurance?

If your post-secondary student’s primary address is different from the address on their parent's home insurance policy, they will need renter’s insurance to cover their personal property and any accidental damage to their home.

Renter’s insurance covers personal belongings and liability for property damage and injury. Renter’s insurance for post-secondary students covers theft of and damage to personal property like electronics, furniture, and clothing, damage to their rented home, and liability for injuries to visitors.

You may need additional coverage for high-value items like laptops. Some policies have limits and exclusions; for example, a home insurance policy may only cover $10,000 for university students.

Even if a student’s possessions are covered by a home insurance policy, your child still needs to be covered by liability insurance. Your child may be a responsible young adult, but they cannot control the actions of others. If there is a visitor who damages their home or someone is injured at a party, they could be responsible for medical bills or repairs.

Talk to your Western Coast insurance expert about your son or daughter’s away at school situation.

Western Coast has INSURANCE EXPERTS to answer all your questions. Our experts are available now in branch or on the phone to help you navigate your insurance journey to give you the right policy for your situation.