Believe it or not, back-to-school time is upon us. Vacations, sports camps and extended bedtimes are coming to an end as parents and children get ready for classes to begin. As you prepare for a new school year, it’s also a great time to reevaluate your insurance needs. Here’s a quick checklist:

Health Insurance

Anyone with kids knows that being around a lot of other kids can increase their chances of getting sick. One great weapon in the fight against germs is an annual checkup. Make sure your insurance covers the yearly screenings and that you have adequate coverage for extra visits or prescriptions you may need during the school year.

Auto Insurance

Many parents put a lot of extra miles on their cars during the school months, taking children to and from school as well as athletic practices, games and other events. Those extra miles could affect your policy, so make sure to check with your agent. You should also let them know about a teenage son or daughter with a learner’s permit or new driver’s license. Let them know which cars the teens will be allowed to drive and don’t forget to ask about good grade and driver’s education discounts. If your college student plans to leave his or her car at home for the semester, you may be eligible for a reduced coverage plan for that vehicle.

Homeowners Insurance

Educational tools are very different from when we were kids. Instead of a chalkboard or an overhead projector, many teachers use PowerPoint presentations, podcasts or internet tools in the classroom. Technology is a growing presence in our lives and our kids’ lives, so make sure their laptops, e-tablets, cell phones and game systems are covered under your policy. This is a great time to download a home inventory checklist at and go room-to-room to document everything of value in your home. You’ll want to keep that list somewhere other than your home, such as a safe deposit box or stored electronically in an email.

Do your insurance homework before your children head back to the classroom. Not only will it give you peace of mind, it could also protect your family from a financial disaster.

If you have any insurance-related questions or concerns, please don’t hesitate to call our Consumer Assistance Division at 1-800-522-0071.