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Does your college student need...

Does your college student need additional insurance? MS Insurance Dept. offers tips.

By: Anne Summerhays - August 4, 2021

Auto, renters, life and health insurance policies should be considered when college students return to school. 

The Mississippi Insurance Department says all college students should consider some type of insurance coverage while they are at school. Depending on their situation, a student may need auto, renters, life and health insurance policies.

For example, MID says students living off-campus should consider getting renters insurance. Individuals with one or more roommate should also know that each leaseholder needs their own individual renter’s policy.

If your student is leaving their vehicle at home, you may qualify for a discount on their auto insurance if your child is not taking a car and will be 100 miles or more away from home.

Students’ belongings are covered under their parents’ homeowners insurance policies if they live in on-campus housing, but off-campus housing may not be covered. Renters insurance will protect students’ possessions from theft, fire, vandalism, tornadoes and other types of damage. This insurance would

The Insurance Department says having health insurance coverage will help protect you and your child’s finances from the cost of a medical emergency while at school. Under the Affordable Care Act dependents under the age of 26 can remain on a parent’s health insurance plan. However, students may go off to school outside of your health care provider’s network.

Insurance is for unexpected events and that’s why a variety of insurances for college students is essential during this time. MID advises parents to check with their insurance company before their kids start college to see if any of your policies will cover their child at school for free.

About the Author(s)
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Anne Summerhays

Anne Summerhays is a recent graduate of Millsaps College where she majored in Political Science, with minors in Sociology and American Studies. In 2021, she joined Y’all Politics as a Capitol Correspondent. Prior to making that move, she interned for a congressional office in Washington, D.C. and a multi-state government relations and public affairs firm in Jackson, Mississippi. While at Millsaps, Summerhays received a Legislative Fellowship with the Women’s Foundation of Mississippi where she worked with an active member of the Mississippi Legislature for the length of session. She has quickly established trust in the Capitol as a fair, honest, and hardworking young reporter. Her background in political science helps her cut through the noise to find and explain the truth. Email Anne: