STUDENTS AWAY AT SCHOOL

AUTOMOBILE

Each insurance carrier  handles students away at school differently. Fortunately our carriers will give  a discount for students away at school (usually 100 miles or more).

Key Issue

Coverage  for a claim when your child borrows a vehicle that may not have adequate  liability coverage to cover a claim. If there is a substantial liability suit  and coverage is not available the court settlement could affect future earnings  and any assets the student may have now or in the future

Conte Insurance Suggests

Keeping  your child on your Mass Auto policy as a listed operator while away at school.  This will allow your policy to protect your child in the event of a loss.

CONTENTS COVERAGE

With the cost of higher  education soaring out of sight, it is nice to know that personal property of  students (who are ordinarily members of your household) is covered against theft  in dormitories, fraternity/sorority houses or off campus locations for up to 10%  of your personal property coverage limit or $1,000  whichever is  greater.

This  theft coverage continues while your student is away from college on holidays or  semester breaks. But the coverage does not apply if the student is away from  school for more than 45 days prior to a loss.

COMPUTER

Often the most expensive  item your child will have at school is a personal computer. All risk coverage  can be purchased including $1,000 data recreation at a rate as low as $10.00 per  $1,000 of coverage.