Date: July 24, 2025
As Mississippi families gear up for the new school year,
the Mississippi Insurance Department (MID) is encouraging parents, guardians,
and students to take a proactive approach to their insurance needs.
With students heading back to classrooms or embarking on
their college journeys, ensuring the right insurance coverage is in place can
provide peace of mind and financial security.
From health and auto to renters and homeowners insurance,
MID’s latest guidance highlights key considerations to keep families protected
during this exciting time.
Why Insurance Matters for Back-to-School Season?
The back-to-school season is a time of transition, filled
with new opportunities and responsibilities. Whether it’s a high school student
driving to school for the first time or a college freshman moving into a dorm,
having the right insurance coverage is essential.
“Reviewing your insurance policies before the school year
begins is a smart way to safeguard your family’s future,” said Mississippi
Insurance Commissioner Mike Chaney. “Our goal is to help Mississippians make
informed decisions to protect what matters most.”
By taking a few simple steps, families can ensure they’re
prepared for unexpected events, from medical emergencies to property damage,
allowing students to focus on learning and growing.
Key Insurance Tips for Families:
The Mississippi Insurance Department offers the following
recommendations to help families navigate their insurance needs:
Health Insurance for Students: Ensure your child is
covered under a health insurance plan, whether through a parent’s employer, a
private plan, or a student health plan offered by colleges. Confirm coverage
for routine check-ups, vaccinations, and emergency care, especially for
students living away from home.
Auto Insurance for Young Drivers: For teens driving to school,
review your auto insurance policy to confirm adequate coverage. Consider adding
your teen to your policy if they’re a new driver, and ask about discounts for
good grades or driver’s education courses.
Renters Insurance for College Students: For students
living in dorms or off-campus apartments, renters insurance is a cost-effective
way to protect personal belongings like laptops, furniture, and clothing. Many
policies also include liability coverage in case of accidents.
Homeowners Insurance for Parents: If your student is
commuting from home, verify that your homeowners insurance covers their
belongings and any potential liabilities, such as accidents involving visiting
friends.
Umbrella Policies for Extra Protection:
For families seeking additional peace of mind, an
umbrella policy can provide extra liability coverage beyond standard auto or
homeowners policies, offering protection in case of significant claims.
Special Considerations for College-Bound Students
For students heading to college, whether in Mississippi
or beyond, insurance needs can become more complex. The MID advises:
Dorm vs. Off-Campus Living: Students in dorms may be
partially covered under their parents’ homeowners insurance for personal
property, but limits apply. Off-campus students should consider renters'
insurance to fully protect their belongings.
Health Coverage Away from Home: Confirm that your health
insurance plan covers care in the area where your student attends college. Some
plans may require in-network providers, so check with your insurer to avoid
unexpected costs.
Vehicle Use at College: If your student is taking a car
to college, notify your insurance provider to update the policy’s primary
location. This ensures coverage reflects the new area’s risks and regulations.
How to Get Started?
The Mississippi Insurance Department encourages families
to contact their insurance agents to review policies and discuss specific
needs.
A quick conversation with your agent can make all the
difference, Commissioner Chaney emphasized. “They can help tailor your
coverage to fit your family’s unique situation. ”For additional support, the
MID’s Consumer Help Line is available at 800-562-2957 (or 601-359-2453 in
Jackson) to answer questions and provide guidance.
The department’s website, www.mid.ms.gov, also offers
resources and tips for navigating insurance options. A Positive Step Toward a
Worry-Free School Year. By taking the time to review and update insurance
coverage, Mississippi families can start the school year with confidence, knowing
they’re prepared for whatever comes their way.
From protecting a student’s first car to safeguarding
their dorm room essentials, the right insurance plan fosters a secure
environment for learning and growth.
The Mississippi Insurance Department is committed to empowering residents with the knowledge and tools they need to make informed decisions. As the school year begins, let’s embrace this opportunity to ensure our students are protected, allowing them to focus on achieving their dreams.
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