By NICK GOSNELL
Hutch Post
HUTCHINSON, Kan. — Parents and college students need to be sure their property is protected and maintained as they prepare for life away from home.
"Not a lot of people probably think about car repairs and maintenance and also insurance," said Shawn Steward with AAA Kansas. "That's in terms of auto insurance and property insurance."
Whether a parent's homeowners policy would cover theft or damage really depends on what was negotiated when the policy was purchased.
"It really depends on the policy," Steward said. "That's why it's important to have that discussion with your insurance agent to make sure what's covered and where it's covered. One roommate leaves a door unlocked, for example and someone could walk in and swipe a lot of equipment very quickly. It's important to have that protection of insurance, whether it's on the parent's homeowners policy or a separate renter's insurance policy."
Students should create a “dorm inventory.” Create a detailed inventory of all items you’ll be taking with you, including photos and receipts. In the event that you need to file a claim, an up-to-date inventory will help make the process easier.
If you don't need an item right away and will go home before you need it, don't take it with you.