This coverage varies from carrier to carrier, some allow for coverage only in a dormitory, while others allow for coverage in an apartment. Additionally, as a student away at college this coverage may be applicable up to the age of 25.
There can be a 10% extension of Personal Property Coverage which extends from the parent's homeowners policy, when the child is temporarily living at another apartment or dormitory. If the parents homeowners policy has $100,000 in personal property coverage, their child/student will have $10,000 in property coverage at their college dormitory/apartment.
Please call us to discuss, so we can make sure there is adequate coverage in place for your child's personal property while living away from home.
