An umbrella policy in Tomball, TX is the perfect way to protect your family. When most people think of liability coverage, they envision adults. However, children can also be sued. Teens can get into car accidents that cost more than they have. College students are still your kids, even if they’re over 18. In many cases, your kids are likely covered.
Underage Children
Most companies automatically include underage children on your policy. These insurance policies work as a family policy. However, you usually have to have custody of the children, and they must reside at your address. You may not be able to include children if they are only at your house every other weekend or you aren’t the custodial parent. An agent at Hastings Insurance Agency LLC can help you figure out what your options are in this situation.
College Students
Many college students will still be included on your policy, even if they are temporarily living on a college campus. They must use your home address as their residential address, though. In many cases, they must also be included on your auto and home policies. College students who have their own auto policy may have to meet certain coverage requirements to be eligible for an umbrella policy.
Adult Children and Other Family Members
You may be able to include adult children and other family members, such as senior parents, on your policy as well. However, they typically have to meet the same requirements as college students. They must use your address as a residential address and usually have to be included on your home or auto policy.
Agents here at Hastings Insurance Agency LLC can help you figure out how to get a policy for your kids and whether they’re included on your policy. Contact us today to learn more. We’re currently serving the Tomball, TX area.