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      Money Talks: Insurance on Campus

      College takes some getting used to. There's a lot to know and a lot to learn. And one thing often left unstudied? Insuring that student.

      For example, take cars. If your student's going more than 100 miles from home and doesn't take their car, you might be able to get a discount on your insurance. If they do take their car, that could affect their rates. Another thing that can affect rates? Their grades.

      Another thing that needs a check-up is health insurance. Kids up to 26 can now be covered by their parents health plan. But if you're confined to a group or network, you'll need a participating doctor near campus. And check out your school's health plan and medical facilities too.

      And then there's stuff. Even though you may not think you have much, it can add up.

      If your kid is in a dorm, your homeowners policy may cover their stuff, up to a limit. But if they're off-campus in an apartment, you may have to get a renter's policy. Call your company and find out what the deal is.

      Bottom line? Before your student moves into that dorm, have them learn a life lesson by checking out the kinds of insurance that they're going to need. For more information, visit and search for "Insurance."

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