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Dear Empty Nester:
Although your daughter will soon be flying the coop, your home insurance will make the trip with her.
Basically, your homeowners, condo unit owner's, or tenant's package policy covers, not only any members of your family who are living in your household, but also anyone under 21 who is in the care of the person(s) named on the insurance policy.
It also covers students -- like your daughter -- who are enrolled in and attending a college or university, and who are dependent on the named insured or his or her spouse for support and maintenance. So your daughter doesn't have to be living in your house to be covered, as long is she is only "temporarily" away at school. She must also be dependent on you for support -- probably an easy condition to fulfill, as most parents would agree! But should she decide to spread her wings and go out on her own when her studies are completed, your insurance will no longer cover her; she will need to buy her own policy.
Be sure to ask your insurance provider before she leaves what the overall dollar limit is on any personal property she is taking with her or may acquire while she is away. If she is bringing any valuables, like jewellery or computer software, for instance, she may need additional coverage.
The best advice: take a lesson from your insurance provider first, and your daughter will head off to college with an "A" in Insurance 101!
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