Back-to-School Insurance Checklist for Texas Families

Tips for parents with student drivers, renters, or college-bound kids

As the school season rolls back around in Texas, most families are focused on backpacks, class schedules, and making sure everyone’s alarm clock is working. But this is also the perfect time to take a fresh look at your insurance coverage. From teen drivers to college move-ins, big changes often come with new risks. Making sure your insurance keeps up can save you from a lot of stress and surprise expenses later on.

Here’s a quick back-to-school insurance checklist for parents to keep things simple and clear:

1. Student Drivers: Check Your Auto Policy

If your teenager just got their license or is starting to drive regularly, make sure your auto insurance policy includes them. Failing to add a teen driver can cause problems if there’s an accident and they’re not officially on the policy. Also, don’t forget to ask us about available discounts. Many carriers offer savings for good grades, safe driving programs, or even bundling with other policies.

2. No Car at School? That Matters Too

If your college student is leaving the car at home while they go off to school, let us know. We might be able to list them as an occasional driver, which could lower your premium. On the flip side, if they’re taking the car with them to a different city, we’ll want to make sure their coverage follows them and reflects the correct location.

3. Dorm Life: What’s Covered?

Students living in dorms are often covered under their parents’ homeowners or renters insurance when it comes to personal items like laptops, clothes, and small appliances. However, it’s smart to double-check your policy limits. If your student is bringing anything especially valuable, like a musical instrument or high-end electronics, we can help you make sure those items are specifically covered.

4. Renting Off-Campus? Time for Renters Insurance

Once your student moves into an off-campus apartment or house, they’ll likely need their own renters policy. Some landlords require it, but even when they don’t, it’s still a smart move. Renters insurance is affordable and covers things like theft, fire, water damage, and even liability if someone gets hurt in the apartment. It’s a small cost that can go a long way.

5. Health Insurance: Still Covered?

If your student is under 26, they can usually stay on your health plan. Just make sure their college or university is in-network. If not, you might want to explore a student health plan offered through the school. This helps prevent that unexpected medical bill during flu season or finals week.

We’re Here to Help

The start of a school year always brings a little chaos. Our team at Rollo Insurance Group is here to help make sure your family is covered and confident as you enter the school season. If you have questions or just want someone to look over your current policies, give us a call or swing by the office. We’ll help you check this off your list so you can focus on what really matters: supporting your student through another exciting year.