Back to School Insurance Tips

Back To School Insurance Tips 


Summer vacation is winding down, and we hope you and your families had a safe and fun-filled summer! National Back to School Prep Day is August 15, but what is wrong with a bit of a head start? Whether you have a child in daycare, high school, or college—or are attending college yourself—there are insurance considerations you need to understand. So, as you cross school supplies from your list, we wanted to ensure your insurance needs are also covered. 

Review Your Auto Insurance

Do you feel like you live out of your car during the school year? Between standard drop-offs, after-school activities, travel time to games—and any social activities—your vehicle might see an uptick in use. But, if you review your auto insurance coverage early, you could avoid a nasty surprise down the road! 

New Drivers

Another vital factor to consider is if your high schooler will be eligible to get their license. We recommend you discuss this change with your insurance provider once your teenager is old enough to drive, obtains a learner’s permit, and receives a driver’s license. Michigan law requires teenaged drivers to have car insurance.  

If you need to brush up on Entry-Level Driver Training Regulations, we hope this article can help! 

College Students 

If your child is college-aged and planning to bring their car, this might impact your insurance. Your agent may need the college’s address or additional information added to your policy. 

Look into your auto insurance policy’s coverage of unnamed drivers. If there is no coverage, sit down with your college student and explain the situation. Life happens, and if they lend the car to a friend who has an accident, you need to know the coverage. Lending a car to a friend is a sentiment of goodwill, but, unfortunately, it could have dire consequences. 

Will your college student leave their vehicle behind for the semester? Mention this to your insurance provider; you might be able to remove them from your auto insurance and save on your policy.  

Health Insurance

Depending on your school district and your child’s school activities, they will likely need updated immunizations and a yearly physical. Brushing up on your health insurance coverage before scheduling these necessary appointments could help you avoid out-of-network charges. 

Health insurance will also come in handy should your child experience unforeseen illness or injuries. Of course, we hope they stay happy and healthy this school year, but preparation never hurts! 

Other Insurance Consideration

This section will likely be most beneficial to college students, but if you learn something new, that’s great! 

Renter’s Insurance

If the college student lives off-campus, renter’s insurance could be invaluable. A standard policy covers losses from fire, lightning, theft, vandalism, windstorms, and more.  

Personal Property Coverage

Let’s face it—computers, textbooks, and other specialized course-required equipment are expensive. Ask your insurance provider if personal property coverage would be beneficial. 


We hope you learned something new and that you are feeling prepared for the back to school season! If you want more information on Allied Insurance Manager’s insurance policies, click here. 

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Allied Insurance Managers's Bio

Headquartered in Rochester Hills, Mich., Allied Insurance Managers is one of the largest, privately-owned, independent insurance agencies in Michigan.