COVERED FOR CAMPUS? Insurance needs in several categories can change when a child goes off to college. Families should review their coverage ahead of time so they're prepared for any issues that may arise.
HEALTH OPTIONS: Most families can meet health insurance needs by simply keeping students on a parent's plan, which federal health reform allows until age 26.
PROPERTY PROTECTION: Personal items of value typically are covered by the parents' homeowners or renters insurance if stolen. Renters insurance can provide extra coverage with a lower deductible -- and is a must for anyone living off-campus.