Does my college student need renter’s insurance?

Blue Bell PA insurance question:

Q: As school begins for the fall 2009 semester, does my college student need renter’s insurance coverage while living away from home?

A: The first thing to do is check your current home insurance policy, and the policy language that addresses this type of “off-premise” personal property and liability coverage (policies sometimes differ in this coverage area). Many times if the college student is listed as a resident of your home, a certain percentage of your home insurance personal property coverage (maybe 10% perhaps) and full liability coverage extends to the temporary living quarters at the college. Many home insurance policies will also distinguish between a student living in a college dormitory, and off-campus housing (apartment, etc.)

Should you decide to purchase low-cost renter’s insurance for your college student, the coverage would be just for the name insured, not any of his or her roomates. Each unrelated person within the residence must have his or her own renter’s insurance policy.

For more information and for more specific consultation to your specific situation, please e-mail MartyWolner@allstate.com, or call 610-239-7707 – 24 hours a day.

Celebrating 20 years in Blue Bell PA, Wolner Insurance Management invites you to stop by and visit and receive your FREE gift!

Blue Bell PA Weather – Here comes Summer!

You can always check here for Blue Bell, PA weather. The beautiful foliage in Blue Bell PA is stunning this time of the year, as spring has sprung! As you travel up and down the streets of Blue Bell, you’ll see all of the colors of the rainbow in full bloom.

While enjoying the sights and sounds of spring in Blue Bell, please stop by Allstate Blue Bell and help us celebrate our 20th Anniversary with Allstate. we have anniversary gifts for everyone who stops by.  Or e-mail us at MartyWolner@Allstate.com.

For more information about the Blue Bell area, please visit Ambler-BlueBell.com.