For those with kids, back to school time is here. At this point, the back to school shopping is done, and now it's back to new homerooms, homework, sports, extracurricular activities, school plays, and the list goes on. But along with the changes that come with a new school year, come potential changes to your insurance plan and behaviors that can protect Pennsylvania families.
Whether it's a first time kindergartener, a new teen driver, or college student entering their freshman year, here's a back-to-school insurance checklist to help you do your insurance homework before the school year sets in.
Immunizations
The start of school just happens to coincide with the start of cold and flu season, and somehow your child seems to get a hold of every germ that floats around the classroom. The Center for Disease Control (CDC) recommends seasonal flu vaccines for the whole family (from 6 months old and up), as soon as it becomes available in your area. They report this as the single most effective way to protect against the nasty flu strains that float around schools and come home to the rest of the family.
Health Insurance
Along with the basic cold and flu viruses kids face at school, there are other risks that come along with active kids. Accidents related to sports, the playground, and other school and after school activities are more prevalent during the school year. That's why it's imperative to have a solid health insurance plan in place that covers your school-aged children. Older, college aged children can stay covered on your policy or join a college health plan, depending on the school.
Home Insurance/Property Coverage
It's hard to imagine that back-to-school days have any affect on your home insurance policy, but for the new college students in the family who are living in the dorms, their personal property can be covered through the right home insurance plan. This coverage can typically protect your children's computers, stereos, sporting goods, and other big-ticket items under your plan.
Car Insurance
New teenage driver in the family? They might be nagging you for a new car now, but you're main concern should be a great auto insurance plan to keep them covered. Insurance for teen drivers tends to be more expensive, but there are some ways to save. Ask you agent about good student and driver safety discounts.
Contact us to learn about the best back-to-school coverage for your family.
