Kids Going to College?

At Brew City Insurance it is our mission to offer customers a truly exceptional insurance buying experience. We provide our customers with the knowledge to choose the best possible insurance products that fulfill their wants and needs. Our friendly, knowledgeable and professional staff will help inspire, problem-solve, and best of all EDUCATE our customers so they can choose the coverage that best fits at a reasonable price.

It's time to let go. I know its HARD. So let me cheer you up.

Feeling any better?

Now, let's be (semi) serious. Here's how to evaluate your auto, homeowners, life and health insurance needs as your kid heads to college.

CAR INSURANCE

If your kid doesn't take a car to school ask your insurer about an away-at-school discount. Some companies offer a price break if the college is at least 100 miles away from your home. It's best to keep the student listed on your policy, so your son or daughter has coverage at home on breaks.

If your kid wants to take a car consider the risks. It's the first time away from home. Why throw a vehicle into the mix? Let your insurer know if your child takes a car. Some insurers might reprice the policy based on the school's location, Johnson says. Your coverage price might go up or down.

Car or no car, don't forget about the good-student discount. Many insurers offer one for maintaining at least a B average.

HOMEOWNERS OR RENTERS INSURANCE??

Your child's stuff will be covered under your homeowners or renters insurance in a campus dorm. Check your policy for details. Some policies limit coverage for belongings away from home to a percentage of the total amount of coverage for all possessions. Typically there are also coverage limits on expensive items such as musical instruments, computers, and jewelry. Talk to your insurer about buying extra coverage for these items if necessary, you never know what might happen to them...

Students who live in off-campus apartments will need their own renters insurance policies. Renters insurance covers belongings and, like homeowners insurance, provides liability coverage if your kid inadvertently harms someone and is held responsible.

Make sure your liability insurance includes personal injury coverage

If not, you can add it for a small price, he says. Among other things, personal injury coverage would pay for legal defense and settlement costs if your son or daughter did something considered "objectionable".

LIFE INSURANCE

If you don't have life insurance and your income is crucial for paying the college tuition bills, then shop for a term life insurance policy to cover you at least until the youngest child graduates from college. Ideally you already have the coverage you need and have all your ducks in a row, but that isn't always the case.

HEALTH INSURANCE
Lets face it. When kids go away to college for the first time they don't always make good decisions.

Things like eating right...

getting enough exercise and maybe staying out too late and not getting enough sleep can really affect their health.

Check whether your health plan 's provider network includes doctors and hospitals where your child will attend school. You'll pay a larger portion of the medical bills for treatment outside the network with a preferred provider organization, or PPO. With a health maintenance organization, or HMO, you may have no coverage outside the network, except in emergencies.

Bottom Line ~ More changes are ahead as your child gains independence. Review your insurance policies annually to make sure you have the right coverage.

Want to make sure you have the right coverage??

Come into Brew City Insurance and find out.

Come in to Brew City Insurance for a no-obligation insurance review.

We will make sure you and all your family are safe all year long.

Brew City Insurance Agency Inc. is located at:

2937 S Chicago Ave. in South Milwaukee

between Pick N Save and Walgreens.

Stop in today and see what we can do for you!

Or call 414-762-6600 and we can quote you right over the phone.

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Visit our web page at - http://www.brewcityinsurance.com,

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