As the little ones (!) fly the nest to university or return for second and third years, have you thought about protecting their belongings? Have you changed insurer in the last year and forgotten to check if you have insurance to cover their contents and belongings?
Not all home insurance policies include insurance for students’ effects at university and those that do, offer very different levels of cover. Some things to check:
- What is the sum insured or limit?
- Will that be enough if all their contents were lost or damaged?
- Does it include all personal belongings?
- Is there an item limit, meaning that the expensive laptop might not be covered in full?
- Are bicycles included? If so, are there any special security requirements?
- Is full theft cover included or only if there is forced entry?
If in doubt talk to your broker or insurer.