Insurance News


August 12, 2013

Missouri Department of Insurance: Back to School Checklist - review insurance policies before kids head to college

Student's belongings may be covered under homeowners coverage

 Jefferson City, Mo. - When checking off items for college, the Missouri Department of Insurance is encouraging families to review their insurance policies to see what is covered while students are away at college.

"It's important that students and parents discuss their insurance coverage now," said John M. Huff, director of the Department of Insurance. "You don't want to wait until you need to file a claim to find out whether you have insurance coverage."

Huff says insurance needs and coverage may change when a student leaves for college. He offers these tips for families to make sure their college-bound students are properly covered:

The department also encourages college students, as well as all consumers, to complete a home inventory, which is an itemized checklist of all possessions. A home inventory can make the process of filing a claim much more efficient in the event of fire, storm damage or theft.

An easy-to-use home inventory checklist is available for free on the department's website, along with free smartphone apps. The address for the download link is

Students and parents with insurance questions can contact the department's Insurance Consumer Hotline at 800-726-7390 or visit

About the Missouri Department of Insurance, Financial Institutions & Professional Registration

The Missouri Department of Insurance, Financial Institutions and Professional Registration (DIFP) is responsible for consumer protection through the regulation of financial industries and professionals. The department's seven divisions work to enforce state regulations both efficiently and effectively while encouraging a competitive environment for industries and professions to ensure consumers have access to quality products.