Covering Your Student's...Assets
How to Protect Your College Student's Stuff
We all know the cost of college is invariably steep beyond tuition bills.
According to US News (2017), American students (and/or their parents) drop a large chunk of change on back to school shopping for college students, amounting to an average of $970--which was up almost 10% from the previous year at the time of the survey. Add in the requisite computers, electronics, textbook fees and you have a lot of extra valuable merchandise. When your student is packing for college, he or she may be thinking more about bringing the Xbox One console than about insurance for a potential loss of such items--but as a parent, it's probably in the back of your mind somewhere.
Did you know that most student dorm properties are not fully covered under a parent’s policy, even if the student is listed as a dependent on their parents’ homeowners policy? Additionally, if items are stolen from a vehicle, neither your home nor auto policy will cover the cost of replacement. So what's the solution? Renter's Insurance. And guess what?
Renters insurance policies are relatively cheap and very affordable, amounting to a few extra dollars a month.
Knowing that your and your child's investments are protected with a (we'll just say it) pretty cheap financial safety net is something that no college student or parent should go without.
Take a few minutes today and chat with your Wheat State agent and see what we can do to get your student a policy that best suits their needs with a budget that meets your needs as well!
Give us a call, shoot us an email or pop into your local WSIG location to see what we can do to help you and your student worry about one less thing when transitioning to college.
(Reminder: You can view your current policies or make requests on our website.)
So simple to make at home and 1000% worth the little effort it requires.
The Summer Go Bag: A Tiny Kit That Saves the Day Summer has a way of making “quick little outings” turn into full-blown adventures. A trip to the pool becomes dinner on the way home. A Saturday errand turns into a stop at the park. A lake day somehow requires 47 items, three snacks, and at least one person asking, “Did anyone bring sunscreen?” Enter: The Summer Go Bag . It doesn’t have to be fancy. It doesn’t have to be perfectly organized. It’s just a small tote, backpack, bin, or canvas bag you keep stocked with the little things that make summer life easier. Think of it as your warm-weather backup plan. What to put in your Summer Go Bag: Sunscreen + bug spray Because nothing ruins a good day faster than realizing you needed both about two hours ago. Reusable water bottles Keep one or two empty bottles in the bag, or toss in a couple of bottles of water before you leave. A small first-aid kit Bandages, antiseptic wipes, pain reliever, allergy medicine, and any must-have family basics. Phone charger or power bank Especially helpful for road trips, long days out, or those “I swear my phone was at 42% five minutes ago” moments. Wet wipes + tissues For sticky hands, spilled drinks, mystery car messes, and every parent/grandparent/aunt/uncle who has learned the hard way. A lightweight towel or blanket Great for parks, wet seats, surprise splash pads, outdoor concerts, or impromptu picnics. A few snacks Granola bars, crackers, trail mix, fruit snacks — anything that can survive a little heat and prevent a hunger-related family incident. Plastic bags or a small trash bag For wet swimsuits, muddy shoes, snack wrappers, or anything you don’t want touching the rest of your car. Spare sunglasses or a hat Simple, useful, and always appreciated when someone forgets theirs. Pet basics, if applicable A leash, collapsible water bowl, waste bags, and a small towel can make pet-friendly outings much easier. Where to keep it: Your car is usually the easiest spot, especially if you’re often on the go. If your vehicle gets too hot, keep heat-sensitive items like sunscreen, medicine, and snacks inside the house and toss them in before you leave. You can also make a smaller version for: Pool bags Lake bags Sports practices Road trips Grandkid days Dog park visits The real trick: Restock when you get home The Go Bag only works if it’s ready when you need it. After a busy weekend, take two minutes to replace what you used: snacks, wipes, sunscreen, bandages, water bottles, or plastic bags. That tiny reset makes the next outing so much easier. Summer should feel a little more spontaneous — and a little less like you’re packing for an expedition every time you leave the house. A simple Go Bag won’t solve everything, but it might just save the day.
Insurance can be confusing — and most people have questions they feel like they should already know the answer to.
Seven quick things you can do in minutes to improve the rest of your year!
Skillet Chicken With Mexican Green Rice & Salsa Macha
Insurance can be confusing — and most people have questions they feel like they should already know the answer to.
Insurance can be confusing — and most people have questions they feel like they should already know the answer to.
The easiest 15-minute recipe!
“Home Inventory in 30 Minutes: The Thing You’ll Be Glad You Did”
Includes: phone video walkthrough method, where to store it, high-value items scheduling, receipts/photos and downloadable checklist for home inventory.
January 2026
