Good Grades - Do you have a teenage driver in the house (or one on the way)? Many
policies allow discounts for students with good grades. Give us a call at (612)217-0157 to see
what documentation is needed for your policy. And don't forget to talk to your kids about
the importance of keeping those grades up! These discounts can apply to college
Driver Training - There are different discounts available for Drivers Ed classes. We
can review all the options and let you know which discounts will impact you the most.
Moving To The Dorm - Is your college student living in the dorm this semester? Your
Homeowners Insurance may cover their belongings without additional coverage being
needed. This is called Property Off Premises coverage. Remember, any claims would
be subject to your deductible which is usually higher on home policies! Let us review
your policy to check for the specifics amounts of coverage included.
Moving To An Apartment - Let's say your college student has graduated from the
dorms and moved on to an apartment. In this case, your Homeowners Insurance would
not cover their belongings and they would need their own Renters Insurance policy.
Renters Insurance is very affordable and covers all of the contents of the property. It
also provides liability insurance if someone were injured in the property or if the student
caused a fire, etc. By making sure they are properly insured, you are also protecting
We work hard to make sure all of our clients have the right coverage at all times. The
fastest and easiest way to make sure your student is receiving all the discounts they
qualify for and that their belongings are covered at college is to schedule a review! Call
H. Ray Alkalai at (612)217-0157 to review your policy and situation and we'll make sure all
of your questions are answered.