Students’ belongings may not be covered by homeowners policy
Homeowners and renters insurance: Ask your agent if your child’s possessions will be covered by your homeowners policy. Some policies cover a student’s possessions if they live on campus. For students living off campus, consider renters insurance. A landlord’s policy will only cover the building, not the tenant’s possessions. College students should complete an itemized checklist of their possessions called a home inventory. When filing a claim, your insurer can ask for a home inventory to see a list of your possessions before paying out a claim. The checklist can help you during the claims process in the event of a fire, storm, or theft. An easy-to-use home inventory checklist is available for free at the department’s website, along with free smartphone apps for iPhone and Android devices.
Health insurance: Most young adults can stay on their parents’ health insurance up to age 26, regardless of marital status, financial dependency, residence, or enrollment in school. Students should take copies of their insurance cards and check their parents’ health insurance plans to know which physicians and hospitals are in their network while away at school.
Mo2Go Wallet App: Download the Mo2Go Wallet App. This allows you to store all of your insurance information on your smartphone. Users have the ability to text or email their insurance cards right from the app. In case you get pulled over, Missouri law allows drivers to show proof of insurance electronically, and this app allows you to do so. Students should have all of their insurance information on hand just in case they need to use it when they are away from home.
Students and parents with insurance questions can contact the department’s Insurance Consumer Hotline at 800-726-7390 or visit insurance.mo.gov.
About the Missouri Department of Insurance, Financial Institutions & Professional Registration
The Missouri Department of Insurance, Financial Institutions and Professional Registration (DIFP) is responsible for consumer protection through the regulation of financial industries and professionals. The department’s seven divisions work to enforce state regulations both efficiently and effectively while encouraging a competitive environment for industries and professions to ensure consumers have access to quality products.