For Teen Drivers
- Add your teen to your auto insurance policy
- Ask about good student or driver training discounts
- Set clear rules about texting, passengers, and curfews
- Store insurance ID cards in glove box or digital wallet
- Review what to do in case of an accident (printable glovebox card)
- Consider increasing liability limits or adding an umbrella policy
- Talk about roadside assistance options
For College Students (Living on Campus or in an Apartment)
- Update homeowners or renters insurance—does it cover dorm/apartment contents?
- Consider a separate renters policy if they live off-campus
- Create a basic home inventory (phone photos + list in cloud storage)
- Review coverage for laptops, bikes, or electronics
- Make sure they have health insurance, either through your plan or their own
- Know where their nearest in-network health providers are located
- Pack a mini “just in case” folder with copies of health insurance cards, ID, and emergency contacts
Life & Legal Must-Haves
- Discuss the importance of budgeting and credit
- Set up an auto-draft for regular savings (even if small!)
- Encourage them to sign a HIPAA release or power of attorney so you can help in an emergency
- Consider a small life insurance policy (especially for student loan cosigners)
Extra Tips
- Add safety apps like Life360 or location sharing (with their permission!)
- Talk through real-life “what if” scenarios: fender benders, lost ID, illness, etc.
- Walk them through how to file a claim or contact insurance reps
Peace of Mind, On and Off the Road
From first-time drivers to first apartments, growing independence also brings new responsibilities. We’re here to help make sure your insurance coverage grows with your child so you can both feel confident in what’s ahead.
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