Back-to-School Insurance Tips for Parents of Teen Drivers

Back-to-school season is exciting—and a little stressful—especially if there’s a new driver in the family.

father handing the car keys to a teen driver

Whether your teenager is commuting to high school, driving themselves to sports practice, or heading off to college, it’s important to make sure your auto insurance is up to date. Teen drivers face unique risks, and getting the right coverage now can save you money—and headaches—later.

Here’s what parents should know about insuring young drivers.

When to Add a Teen to Your Policy

  • Most insurance companies require you to add a teen to your policy as soon as they get their license
  • You may be able to add them earlier with a learner’s permit, depending on your state
  • Keeping your teen on your family policy is usually more affordable than giving them their own
  • Let your insurance agent know if your teen will be taking a car to college or leaving it at home

Ways to Save on Teen Driver Insurance

  • Ask about good student discounts for teens with a B average or higher
  • Enroll your teen in a driver safety course—some insurers offer discounts for completion
  • Choose a safe, practical vehicle with good safety ratings and low repair costs
  • Increase your deductible to lower your monthly premium, but make sure you can afford it

Coverage Options to Consider

  • Liability coverage is required, but may not be enough—consider higher limits for better protection
  • Collision and comprehensive coverage help pay for damage to your teen’s car
  • Uninsured motorist coverage protects your teen if they’re hit by a driver with no insurance
  • Roadside assistance and rental reimbursement can be useful if your teen travels alone

If Your Teen is Going Away to College

  • If your teen won’t have a car at school, let your insurance agent know
  • You may qualify for a “student away at school” discount if they attend college over 100 miles from home
  • If they’re taking a car, verify where it will be parked and update the garaging address on your policy
  • Make sure they know what to do in case of an accident or emergency

Need Help Updating Your Policy?

Insuring a teen driver doesn’t have to be complicated. Your local independent insurance agent can help you review your options, find available discounts, and make sure your policy offers the protection your family needs.

Have questions? Reach out today to start the school year with confidence and coverage you can count on.

Places To Watch For Water Leak Damage

Owning a home or condo comes with the unfortunate possibility of developing leaks over time, which can lead to significant damage if left unchecked. To ensure the safety of your property, it is essential to regularly inspect the following areas for potential leaks that may otherwise go unnoticed.

  1. The Water Heater: Water heaters typically have a lifespan of around 10-12 years, although some may last longer. However, relying on luck is not a wise strategy. When water heaters fail, they often leak water from the base, creating a messy situation. Since water heaters continuously refill themselves, the extent of the damage can be significant. Regularly inspect your water heater to detect any signs of leakage.
  2. Toilet & Sink Lines: If you haven’t already done so, consider installing braided stainless water lines, which provide a simple and effective way to protect your home from water damage. Vinyl lines are prone to developing bulges, getting damaged easily, and developing cracks as they age. Additionally, regularly check all the lines in your house for any signs of drips.
  3. Washing Machine Supply Lines: The washing machine supply line is usually visible behind the machine. These lines are larger than other supply lines in your home because they deliver more water. Therefore, it is crucial to monitor them closely and install braided stainless supply lines for added protection.
  4. Refrigerator Ice Maker Line: The water supply line for your refrigerator’s ice maker can be a hidden source of trouble. Since it is concealed behind the refrigerator, any leaking can go unnoticed for months, causing damage to your floor and crawl space. Make it a practice to pull out your refrigerator at least once a year with the help of a friend or family member. Inspect the lines for any signs of leakage and take the opportunity to clean the vents at the base of the refrigerator, enhancing its efficiency.
  5. P-Trap Connections: P-traps are the drain connections located under your sinks. Since many of us store items near these drains, they are susceptible to being bumped frequently. Loose or damaged connections can lead to slow leaks under the sink. Regularly check for leaks under your sinks to avoid costly water damage or damage to your cabinets.
  6. Utilize Water Alarms for Monitoring: An effective way to continually monitor your home for leaks is by installing inexpensive water sensors. A pack of five sensors can cost around $40. These sensors are particularly useful in hard-to-reach areas such as water heaters and refrigerator water supply lines. They function similarly to smoke detectors, emitting a loud alarm when they come into contact with water.

Remember, prevention is the key to avoiding water damage claims in your home. By taking proactive measures and regularly inspecting these vulnerable areas, you can protect your property and save yourself from the financial and emotional burden of dealing with water damage.

Storm and Flood Insurance: What Homeowners Need to Know

Late summer often brings strong storms, heavy rain, and even hurricanes in some parts of the country.

Storm clouds over field, storm cell, extreme weather, dangerous storm

If you’re a homeowner, it’s important to know what your insurance policy does—and doesn’t—cover before storm season peaks. Many people assume they’re fully protected, only to find out too late that they need separate flood insurance or additional wind coverage.

Here’s what you should know about storm and flood insurance and how to prepare.

Does Homeowners Insurance Cover Flood Damage?

  • Most homeowners insurance policies do not cover flood damage
  • Flood insurance must be purchased separately through the National Flood Insurance Program (NFIP) or a private insurer
  • Flooding caused by rising water, storm surge, or heavy rain is excluded from most standard policies
  • If you live in a high-risk area, your lender may require you to carry flood insurance

What About Wind and Hail Damage?

  • Wind and hail damage are usually covered by homeowners insurance
  • Some policies have separate deductibles for windstorms or hurricanes, especially in coastal states
  • If your area is prone to severe storms, review the limits and exclusions on your wind coverage
  • Damage caused by fallen trees or flying debris is typically covered, but cleanup costs may not be

What If I Rent or Own a Condo?

  • Renters should make sure their policy covers damage to personal belongings caused by wind or water intrusion
  • Condo owners should check both their personal condo policy and the association’s master policy to identify gaps
  • Flood insurance is available for renters and condo owners, not just homeowners

Steps to Review Your Policy Before Storm Season

  • Contact your insurance agent to request a full policy review
  • Ask about exclusions, deductibles, and limitations related to wind and water damage
  • Discuss whether flood insurance is recommended for your location
  • Consider scheduling an annual insurance checkup every summer

Tips to Reduce Risk and Protect Your Property

  • Clean gutters and downspouts to reduce water buildup
  • Trim trees and remove dead branches
  • Install a sump pump or water sensor in basements or crawl spaces
  • Take an inventory of personal property in case you need to file a claim later

Need Help Understanding Your Coverage?

Storms can move fast—but a quick conversation with your insurance agent can help you stay one step ahead. Whether you need to add flood insurance, adjust your deductibles, or simply understand your policy better, now’s the time to act.

Have questions? Contact your local independent insurance agent to get ready before the next storm rolls in.