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Insurance + Safety Tips for College Students

Congratulations! You’ve finished your high school education and are taking the next big step and heading to college. It’s finally time to study for your future career and enter the “real world,” and we couldn’t be more excited for you. Before move-in day, check these items off your list to ensure a smooth transition into college life.

Practice strong cybersecurity

  • Always backup your files — there’s nothing worse than writing a whole paper and then losing everything. Use cloud-based programs like Google Drive to ensure your work is automatically saved and never lost. 

  • Make sure you have the latest anti-virus + malware installed on your laptop to avoid cyber attacks on your personal information. 

  • Keep your operating system + applications up-to-date.

  • Use strong passwords, and don’t use the same password for everything.

  • Don’t auto-store your credit card information on browsers.

  • Be careful when using public wi-fi when doing work in places like coffee shops. It can be easier for hackers to access your personal information on public networks. Consider using a personal hotspot on your phone instead. 

  • If you are on your parents’ car insurance policy and are taking your car to school, most insurers will let you stay on your parents’ policy if your primary address is still with them. 

  • Be sure to call your insurance agent with your parents and let them know you’ll be taking the car to college. And take advantage of Cushman’s Good Student and Student Away At School discounts. Give us a call for more information: 508-586-5310.

Talk to your roommates about renters insurance

  • Renters insurance covers you from theft, puts you in a hotel if your apartment becomes inhabitable, and covers all of your belongings in case of damage. Remember: your landlord’s insurance will not cover this.

  • Theft is extremely common on college campuses. Imagine someone steals your brand new laptop from your apartment — would you have the money to buy a new one right now? Renter’s insurance would cover the loss and allow you to easily replace it. 

  • You may be thinking, “I don’t have the money to protect myself from apartment liabilities.” But the cost of renters insurance is extremely affordable, with comprehensive policies ranging from about $15 to $30 a month, which is less than going out to eat only once a month!

Stay safe while on campus

  • Take a self-guided tour of the campus during the day to familiarize yourself with where your class schedule will be taking you.

  • Always be sure to let your friends or roommates know where you're going before venturing out.

  • Avoid leaving your belongings unattended.

  • Lock your doors and windows when you go to sleep or leave your room.

  • Avoid being alone when walking around the campus, especially at night. If you don't have someone with you, call security and they will provide you with a ride.

  • Enjoy alcoholic drinks responsibly, which means when you’re of legal age. Pour and keep track of your own glass and arrange for a way home before you take your first sip.

Back to school season is an exciting one for college students who are ready to “fly the nest.” It’s the responsibility of both students and parents to ensure that proper insurance coverage and staying safe on campus are top priorities. For more tips or questions, please talk to your Cushman agent by visiting our website or giving us a call 508-586-5310.


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