Give us a call
800.830.6656

When the Kids Head for College, Put 'Insurance 101' on Your Class List

It’s an exciting time when your child is heading off to ‘college’. Whether they’re headed to school here in California or all the way across the country, there are a ton of things to get done – and a ton of things to pack!

But one of the most important things they’ll need at school is something that doesn’t have to be packed at all – the right insurance coverage.

Of course, that’s what we at M3 Monagan Miller McCreary Insurance are here for! We’re ready to answer your questions and make sure both you and your young student are well protected. Check out the general information below, and then give us a call at 800-830-6656 to discuss your specific situation and coverages.

Homeowners Policies

  • Coverage of personal property: Most homeowners policies provide 10 percent of Coverage C (Personal Property) for your property while it is at a residence other than your residence. That means if the contents of your home are insured for $100,000, your student’s property up to $10,000 generally would be covered if they are living in a dormitory. The damage must be caused by an event covered in the policy, however.
  • Special items: Be aware that certain items, such as jewelry or expensive electronics and computers, may require special coverage.
  • Off-campus living: If your student lives in off-campus housing, such as an apartment, we strongly advise you to consider renters insurance, as your homeowners insurance generally would not apply in this instance. Check with us at M3 Insurance to be sure. Keep in mind that renters insurance cannot be shared between roommates, so your child will need their own policy.
  • Create an inventory: It’s a good idea to keep an inventory of expensive items your child is taking to school, as well as keeping photos and receipts for the items. In the event of a loss, this can make the claims process much easier.

Auto Policies

  • Coverage without a car at school: If your student will continue to drive while at home on school breaks – or if there’s a chance they could drive a friend’s car at school – it is vital that you keep them on your auto policy. They may even qualify for a distant-student or good-student discount. Check with us at 800-830-6656 orclientservices@m3insurance.com to see if we can save you some money on your insurance and ensure you have the right coverage for your child.
  • Coverage with a car at school: In most instances, a car registered to you and listed on your policy will be covered if used by your student away at school, provided they are listed on your policy. Be sure to call us at 800-830-6656 and make sure your insurance company writes coverage in the college’s state and location, however. And please let us know if your child is taking a car to school, because the location of the vehicle can result in a change in premium.

Not having the right insurance can be a costly mistake – and college is expensive enough as it is. So give us a call today. Your child may be going away, but we’ll be right here when you need us! (And we won’t call you to ask for pizza money, either.)

Contact Us!

For further questions and assistance, please contact M3 Monagan Miller McCreary Insurance at 800-830-6656or clientservices@m3insurance.com.

M3 Monagan Miller McCreary Insurance: Come for the Savings...Stay for the Service.

Content provided by: Safeco Insurance

Our Locations

Tracy Location

1137 B Adam St.
Tracy, CA 95376
Main office: 209-835-6656
Toll free: 800-830-6656
Fax: 209-835-0955

Danville Location

4115 Blackhawk Plaza Circle
Suite 100
Danville, CA 94506
Main office: 925-350-8925
Fax: 866-790-0955

Our Providers

Testimonials

Thank you for the excellent service you have provided over the years, having both homes, three cars, umbrella and other insurance with you as well. It's all been fantastically handled. We made the move over because we saved a lot of money, but beyond saving money the service has been excellent and you and your entire team deserved to be thanked and credited for that. Thanks again, and it's been a wonderful experience and I'm looking forward to a long and prospect relationship.

Craig Walker
Sean and his team provided great service. I called Sean as a friend and asked him to look at my current policies to see if he could save me some money or possibly better protection and he came back with 1 ½ hr later which is amazing in today's day and time. He gave me much better protection and saved me at least 45-50% off my current home and auto policies. He organized and put it all together plus an umbrella policy. I just want to thank Sean and his team once again for helping out just great service. In today's day and age service means a lot especially when we can save some money. Thank you again.

David Liebowitz
Sean I just wanted to take a moment and tell you how happy Kim and I are with you and your team. Having been with State Farm for over 20 years, I just assumed they were taking care of us. Well needless to say – they were just taking our money. Your package saved us hundreds of dollars per year, and I could not be happier with the service. Thanks So Much.

Paul Bradley
My claim experience with your office and Travelers was great. Matt, the adjuster, was delightful. He made me feel relaxed and comfortable. I enjoyed working with him as he was extremely cooperative.

Paulette Ranuio
Your service is absolutely marvelous and just wonderful. When we had a billing problem, your team was on top of it. I was never nervous about it because I knew that it was being taken care of. I really want to thank you and your staff for being there. Your customer service is perfect.

Helena Lowe
I remember when my insurance premium was sky high. At M3, I saved $348 on my auto insurance and I upgraded my home insurance without paying more. It's incredible, I love it!

Joe Rowen
The service is first rate!

Bridget Riddle
I can't say enough good things about M3 Insurance. I couldn't ask for more when I compare my former agent with M3's there is no comparison. As far as claims goes, everything went right. I am a busy business owner and I know I can trust M3 to get the job done on time with a competitive price.

Bob Mills
Sean has always been there for us as our homes, investment properties, and business changes. He and his team do such a great job at keeping up with our busy lives and making sure we have the right protection at the right price.

Stephanie Prioste
There aren't many people in the insurance business that have the knowledge and understanding that Sean possesses. He has the ability to take an insurance policy, make it simple to understand, and take of details that others have left out. When it comes to insurance, Sean is the best.

Rob Riccio
Sean has been a valuable resource for over 10 years. When I remodeled my house, he helped to ensure that our improvements would be protected during and after construction Sean always makes a point to review my needs periodically which none of my other agents ever bothered to do.

Joe Grillo
If you, anyone you know, or any new clients are interested in speaking with a really awesome insurance agent, you should send them to mine. She rocks. I've been with her for 10 years now. Her name is Kelly Johnson at M3 Insurance.

Amir Littman, San Jose
"Jim and I were so impressed by your prompt customer service, complete and thorough assessment of our needs, and efficient processing of great policies. Both Kelly and Elizabeth were delightful to work with and we thank them in advance for being our 'go-to' people for future service. It is our pleasure to work with you and your outstanding team!"

Bette and Jim Felton