Insurance is Something All College Students Must Have
You may finally be free from the clutches of your parents, but that doesn’t mean you’ve escaped the accidents and consequences of life.
At long last! You left home and have a freedom that you quite don’t understand yet. You may be young, fearless, and have your whole life ahead of you, but that doesn’t mean that you’ve built some superhuman immune system. Your dorm likely doesn’t have a 007 security system, which puts your things at risk from being stolen. And in our suing-frenzied society, no one is safe from a lawsuit. There are two types of insurance that you must have in order to physically and financially protect yourself: Health insurance, and property insurance.
Let’s not beat around the bush; you’re in college, and that means you’re going to be going to parties and partaking in substances which may not be legal for 18-year-olds in the US. Luckily, thanks to the new health care law, young adults can stay on their parents’ health insurance until the age of 26. But, students traveling far for school (say another country) may not have access to your health care. Illnesses and injury are a part of life–especially young, carefree life–and a good health insurance policy is necessary to pay off some of those hefty medical bills.
No matter where you go, you’re going to need to be covered for theft and damage to personal property like your laptop, bicycle, phone, and other such assets. Every district, even the nicer ones, has a risk of theft and vandalism. Perhaps some of the people on your floor weren’t raised with the strong ethics or morals your parents instilled in you, which puts your PS4 and Bose speaker at risk!