As the fall semester approaches, parents everywhere are helping their kids prepare for the next big chapter: college. From dorm checklists to meal plans and tuition payments, there’s a lot to think about. But two often-overlooked topics deserve your serious attention—renters insurance and life insurance.
🛏️ Why Renters Insurance Matters for College Students
Most students bring thousands of dollars’ worth of belongings to school—laptops, smartphones, TVs, clothing, gaming consoles, and more. Dorms and off-campus apartments are not immune to theft, fire, water damage, or other unexpected mishaps.
If your student is living in a dorm, they might be covered under your homeowner’s policy—but often with limits or high deductibles. If they’re living off-campus, they likely need their own renters policy.
Renters insurance typically costs less than $15/month and covers:
Loss of use (helping cover hotel costs if their place becomes uninhabitable)
Personal belongings (even if stolen from a backpack or car)
Liability coverage (if someone gets hurt in their apartment)
It’s a small price for big peace of mind.
💡 Why Consider Life Insurance for Your College Student
It’s a heartbreaking subject—but one that deserves attention.
If your child has student loans, especially private or parent PLUS loans that you’ve co-signed, those debts may not be forgiven in the event of tragedy. In such cases, the financial burden can fall back on you.
A simple term life insurance policy can protect your family from this devastating combination of emotional and financial loss. The good news? For healthy young adults ages 18–21, a basic life policy can cost as little as $15 to $20 per month.
Plus, buying early locks in low rates and good health status—setting them up with affordable coverage for years to come.
💬 Let’s Talk—We’ve Been in Your Shoes
At McKinnon Insurance, we specialize in protecting families—especially those entering the college season of life. We’re parents too, and we understand the emotions and the responsibilities that come with watching your child spread their wings.
If you have questions about renters insurance, life insurance, or any other protection your student may need—we’re here to help.
📞 Call us, 📧 email us, or stop by the office anytime. Let’s make sure your college-bound child is covered, and your peace of mind is too.
McKinnon Insurance—Protecting What Matters Most