Last week, our staff really enjoyed a fun day of bocce ball at Campo di Bocce.  It was our second annual Diablo Valley Insurance Bocce Tournament and the competition was fierce!  Teams won trophies, ribbons and gift cards.  It's our way of saying "thank you" to our phenomenal team at DVIA!

As always, we are here if we can be of service to you at any time.  We love to hear from you!

Jon Oldfather
Insurance Tips for Back-to-School Time

College is expensive enough without finding out too late that an accident or theft isn't covered under your current policies. So, as you get your children ready to head off to school in the fall, there's one vital "to-do" to add to your list (other than writing that tuition check): a review of your insurance coverage.
It's important to keep in mind that policy language varies from state to state, and there are never "one-size-fits-all" situations, but below is a general guide. If you have questions, or want to go over your insurance needs, don't hesitate to contact us!
HOMEOWNERS (may vary by state and individual policy)
  • Coverage of personal property: Most homeowners policies provide 10 percent of Coverage C (Personal Property) for property owned by an insured that is at a residence other than the insured's.  For example, if the contents of a policyholder's home are insured for $100,000, a student's property up to $10,000 would be covered if living in a dormitory - provided the damage is caused by a covered peril and the student meets the definition of an insured.
  • For apartments or houses off-campus, the same coverage generally applies. Certain items, such as jewelry or expensive electronics, may require special coverage, or a "rider." Renters insurance is strongly recommended if a particular policy does not cover a student's personal property.
  • Liability coverage: There usually is an exclusion for damage to property rented to an insured, so generally damage to a dorm room or apartment would not be covered.
  • Ensuring adequate coverage:  Contact us to get specific answers and information about your coverages. Also, it's a great idea to create an inventory of the items your student is taking to school, as is keeping photos of and receipts for the items.
  • Renters insurance: If your student's needs can't be met under your current policy, don't forget renters insurance. Landlords' policies generally only cover the structure, not the possessions of renters. 
AUTO (may vary by state)
  • Coverage without a car at school: If your student will continue to drive while at home on school breaks, they should continue to be listed on your auto policy. If they are attending school more than 100 miles from home, and are not taking a vehicle with them, the policy may qualify for a distant-student discount.
  • Coverage with a car at school: In most instances, a car registered to parents and listed on their policy will be covered if used by a listed student away at school. But you should make sure that your insurance carrier writes coverage in the college's state and location. And note that a change to the principal location of the vehicle could result in a change in premium.
  • Driving a friend's car at school: Students generally would be covered while driving a friend's car if the students are listed on their parents' policy and do not have regular use of the vehicle. The coverage would likely be secondary in this case, as the carrier for the friend's vehicle likely would be the primary coverage.
  • Coverage discounts: In addition to the possible distant-student discount mentioned above, students may qualify for a good-student discount. To qualify, most insurance carriers require that a student must be enrolled in at least four courses per term as a full-time student at an accredited college or university and meet certain academic qualifications. Also, drivers under the age of 21 who complete a driver education course may be eligible for a policy discount. 
Going away to school is an exciting time for both students and their parents. Making sure you've got the right insurance coverage can help you protect your assets as you invest in your child's future. We're happy to discuss your coverage and options - just give us a call or stop by!
(925) 210-1717

Lunch for a Month

Picky kid? Nut-free school? Slow eater? Celebrity chefs forked over 30 simple ideas that take the stress out of packing.

Your referrals mean the world to us!

 The best compliment we can receive from you is referring a friend, colleague or family member to Diablo Valley Insurance Agency.
What qualifies as a referral? A referral is when we get a call for a quote from someone saying you referred them to us. Don't worry...we ask on every call!

Every time you refer someone to Diablo Valley Insurance, you will receive a 
$5 Starbucks gift card in the mail as a thank you.
And there's more:
  • We will hold a quarterly drawing from all the names of people that referred someone to us.
  • That winner will receive their choice of a $50 gift card from Amazon.
  • Winners will be announced in our printed and email newsletters.
We look forward to helping your friends & family!

Diablo Valley Insurance Agency, Inc. | (925) 210-1717 
801 Ygnacio Valley Road, Suite 100
Walnut Creek, CA  94596      LIC# 0C26181

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