They did it—your college grad is tossing the cap, snapping pics, and packing up years of pizza boxes and textbooks. Now comes the fun part (and by fun, we mean chaotic): moving out of the dorm.
🧠 Pro Tip #1: Don’t Assume the Dorm Move Is Covered
Many parents think their homeowners insurance covers their student’s belongings automatically. That might’ve been true while they were enrolled and living in campus housing—but after graduation? Not so much. If your grad is moving into an apartment, even temporarily, renters insurance is the safest bet for laptops, furniture, and that gaming console they refuse to leave behind.
Before you start dragging futons down the stairs, let’s talk insurance. Because trust us, you don’t want to deal with a cracked laptop, a dinged-up car, or lost boxes without a little backup.
First off—what’s in the car? Moving means laptops, mini fridges, TVs, and other stuff that isn’t cheap. Most people don’t realize their car insurance doesn’t cover personal items inside the vehicle. That’s where renters insurance or personal property coverage comes in. We can help make sure everything’s protected before the first box hits the trunk.
Speaking of cars, is your grad moving cities? Changing addresses can affect their auto insurance rate—especially if they’re driving more (or less). Give us a heads-up so we can adjust their policy and maybe even save you a few bucks.
Oh, and are you renting a storage unit because they “have nowhere to put everything right now”? (Classic.) We can check if your existing coverage extends to storage—or help add a quick rider so their stuff stays protected while it sits.
And here’s your post-grad bonus tip: now’s a great time to bundle. Auto + renters + even life insurance (hey, adulting is real) = savings and way fewer headaches later.
🎓 Ready to graduate from chaos to covered? Let Payne Insurance Group help you move with peace of mind. Call us or get a quick quote online today—before the moving truck pulls up!
🚘 Pro Tip #2: “Occasional Driver” Status Might Need an Update
If your grad was listed as an occasional or student-away driver while at college, and they’re now commuting full-time to work or grad school—you’ll want to update their driving status on your auto policy. This change can affect coverage and pricing, so let’s make sure everything reflects their new routine.
