Check insurance, take inventory before equipping the dormitory
By NICK GOSNELL
HUTCHINSON, Kan. – Parents and students should ensure that their assets are protected and maintained as they prepare to live away from home.
“Not many people are probably thinking of car repairs and maintenance and also insurance,” said Shawn Steward of AAA Kansas. “It’s in terms of auto insurance and property insurance.”
Whether a parent’s home insurance policy covers theft or damage really depends on what was negotiated when purchasing the policy.
“It really depends on the policy,” Steward said. “That’s why it’s important to have this discussion with your insurance agent to make sure what’s covered and where it’s covered. A roommate leaves a door unlocked, for example, and someone might come in and slide in a lot of gear very quickly. It’s important to have that insurance protection, whether it’s on the parents’ home insurance policy or on a separate tenant insurance policy. “
Students should create a “dormitory inventory”. Create a detailed inventory of all the items you will take with you, including photos and receipts. In case you need to file a claim, an up-to-date inventory will make the process easier.
If you don’t need an item right away and get home before you need it, don’t take it with you.