Back-to-School, Back to Safety: Insurance Tips for Families

The back-to-school season is an exciting time—new routines, new classes, and a fresh start for the whole family. But between shopping for supplies, planning carpools, and managing after-school activities, it’s easy to overlook one important part of preparation: making sure your family is protected with the right insurance coverage.

Here are a few smart tips to help families head into the school year safely and confidently:

1. Review Auto Insurance for Teen Drivers

If you have a new driver in the house, the school year might mean more time on the road — whether it’s commuting to school, sports, or after-school jobs. Review your auto policy to make sure:

• Your teen is properly listed as a driver.

• You have adequate liability coverage in case of an accident.

• You’ve explored safe driver discounts, good student discounts, or telematics programs that reward safe driving.
  

2. Protect Laptops, Tablets, and School Gear

Back-to-school often means new electronics and supplies. From laptops to sports equipment, these items can add up in value quickly. Check whether your homeowner’s or renter’s insurance covers these belongings, even if they’re stolen from a locker or damaged while away from home. 

For expensive devices, consider adding a personal property rider for extra protection.

3. Umbrella Insurance for Extra Peace of Mind

Between carpooling, hosting playdates, and coaching sports, your liability exposure increases when kids are active in the community. An umbrella policy adds an extra layer of liability protection on top of your auto and homeowner’s coverage—helping protect your family’s financial future.

5. Prepare for College-Bound Students

If you have a child heading off to college, consider how insurance applies outside your home:

• Renters insurance can cover belongings in an off-campus apartment.

• Auto insurance may need adjusting if they take a car to school—or if they’re leaving it at home.

• Health coverage should be confirmed if they’ll be out of state.
  

The back-to-school season is more than new schedules and supplies—it’s the perfect time to review your insurance coverage and make sure your family is protected for the year ahead.

At Cushman Insurance, we’re here to help you find peace of mind, so you can focus on what matters most: watching your family grow, learn, and thrive.

 Ready for a coverage check-up? Contact our team today.