OFF PREMISES THEFT COVERAGE

Texas Homeowners policies provide coverage for items stolen away from the home. The base intent of this coverage is to insure property temporarily off the premises.

The following is a key coverage issue for parents who have college students living on campus. Parents want to know if the student’s items are covered under the parent’s Texas Homeowners policy. Call your agent and put the question to him directly, explaining ownership of the items and what the student’s permanent address is. Get a definite answer and then proceed with a separate renters policy or with the assurance of coverage under the homeowner policy. The amount of parental support as opposed to the student’s independence could weigh heavily on the coverage decision.

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