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Am I covered under my parents’ home insurance?
I’m away at school, but I’d like protection for my personal belongings. I don’t really want to pay for additional coverage if I’m already covered. Do I have coverage under my parent’s home insurance?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
You’re in luck! Your parents’ home insurance policy should cover you while you’re away at school, as long as you meet certain criteria.
To have coverage, you need to be:
- Under 24
- Living with your parents before going to college
If you meet these requirements, you’d have coverage under your parents’ home insurance for your personal property as well as
personal liability
and medical payments to others. For your personal property, you’ll have coverage for the
16 covered perils
or any additional coverage your parents have on their policy. For example, if someone breaks into your dorm or apartment and steals your stuff, your parents could submit a claim for the damages. That said, you are subject to their policy limitations. In some instances, belongings stored away from the residence are only covered up to 10% of a policy’s coverage. You’ll need to find out more about your parents’ home insurance policy to determine if it’s the right option for you.
If you’d like more coverage, you can always get your own renters insurance policy if you’re renting. Renters insurance covers personal property, personal liability, and loss of use, so you’d have coverage if something happened to your belongings.
Jerry is the easiest and most effective way to find a home or renters insurance policy that is customized for you. You can even bundle your policy with your car insurance for the most savings.
After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to.
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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