For most of the children in the North Carolina, the end of August means those lazy dog days of summer are coming to a close, and those books and desks are what will be opening up next. For parents, the back-to-school season is a great time of year to look over insurance policies, and make sure they are up to date. Here are some insurance situations to consider as the kiddos hit the books.
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Auto Insurance:
Do you have a new driver in the house, or one that will be in driver's education this school year? If so, it's time to talk to Litaker Insurance about setting them up on your auto insurance policy. Although new drivers can be a costly addition, there are some ways to save money, including the completion of safety courses and good grade discounts that you may want to discuss. That's right, what a great incentive for your child to boost grades, right? Typically, the child needs a B average or more to be eligible, and we will line you out on the specifics as they pertain to your car insurance policy.
Health Insurance:
Do you have a child going off to college? Is your child prepared for the inevitable onslaught of cold and flu season that seems to occur each fall and winter, with germs that spread quickly throughout the schools? This is a good time to make sure you and your family are adequately covered for any medical emergencies or random sicknesses that may occur. And with the college students, you can generally keep them on your policy if they are attending school full-time. However, many universities offer affordable health insurance for full-time students, and this may be worth looking into.
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Home Insurance:
Because we seem to acquire new things year round, it's always good, anytime of year, to make sure your home and belongings are adequately covered in your home insurance policy in case of a fire or robbery. And if you have a child going off to school, they are most likely toting some of their own valuables (or yours!) with them, such as a stereo, sports equipment, and jewelry. It's a good idea to talk to your insurance provider about ways to add this onto your home insurance policy, in case of dorm room theft.
Back to school, whether it's a first timer entering kindergarten or a child packing up for college, is an exciting time for families. It's also a great time to cover all of your bases insurance-wise.
Call or contact Litaker Insurance today to discuss back-to-school insurance needs.