Back-to-school tips for students, parents, drivers


With families transitioning to new fall routines and back-to-school activities, it’s a good time to review tips for getting to and from school safely and to consult with your independent agent about insurance property and liability coverages. Read our prior blog posts with information for kids, their families and the community.

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Remember insurance as college students head back


Back-to-school time is a good time to review your insurance if you have a student headed back to college. Remember to talk to your independent insurance agent for advice to make sure your student’s car, electronics and other belongings are covered. Some coverage may extend from your own personal insurance policies, but individual circumstances can vary. Your agent will know how to help.

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Personal articles: Protect your valuable property


Gold and diamonds and furs, oh my! While your homeowners policy may cover valuables when lost, stolen or damaged, many policies limit the valuation of items such as jewelry, silverware, works of art, furs or collectibles. That policy may pay only the limit and not cover the full value of each item. If you have items of value, ask your local independent insurance agent about personal articles coverage.

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Make sure loaned school items are covered


As the school year begins, take note of the items your child brings home. For example, many school districts are assigning laptop computers to students for their personal use. Or, your band or orchestra student may be assigned a school-owned instrument, especially if it’s a larger or more costly instrument.

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