A lot of proud moms and dads recently watched -- or will soon watch -- their high schoolers walk across a stage to get their hard-earned diplomas. And now begins the summer of preparation before those kids head off to college to start a new chapter.

Whether you consider yourself a helicopter or a free-ranger, every parent wants their child protected. Part of that protection is sending your child off to college properly insured against theft or loss. The type of insurance you purchase for your child depends on his or her living arrangements.


If your child is living in a school-owned dormitory, he or she likely will be covered under your homeowners insurance policy, up to 10% of the total coverage. For example, your $100,000 policy will cover your child up to $10,000.


If your child chooses to live in his or her own apartment, your homeowners policy won’t help. Instead, consider purchasing renters insurance. Renters insurance is relatively inexpensive and will protect your child in case of a loss. There are two types of renters insurance -- cash-value and replacement-value. Cash-value policies take depreciation of the stolen or damaged items into account, while replacement-value policies replace the items at current cost. Replacement-value policies tend to be more expensive.

Talk to you insurance agent about the types of insurance to purchase to make sure you’re making good decisions and purchasing enough insurance. It’s also a good idea to ask about student policies, which typically are less expensive than other types of policies.

Now go take a vacation, you empty nester, you! You deserve it. 

J.K. Olivieri Insurance Agency, Inc. is an independent insurance agency founded in 1979 which represents a number of major insurance companies. Our mission is to protect our clients’ financial future. We feel our role as an insurance agency is to assist our clients in selecting the best possible programs to fill their specific needs. In doing so, we shall research and present our clients with the best possible programs available at the best possible prices.


J.K. Olivieri Insurance Agency, Inc.
64 East Grove Street
Middleboro, MA 02346
Phone: 508-947-1818
Phone: 508-580-0781
FAX: 508-946-1162

Hours: 8:00am - 4:30pm M-F  

You can contact us at: This email address is being protected from spambots. You need JavaScript enabled to view it.


Holiday Hours:    

11/24/21       Thanksgiving                     Closing at 3pm

11/25/21       Thanksgiving                     Closed

11/26/21       Thanksgiving                     Closed

12/03/21       Office Christmas Party      Closing at 3pm

12/24/21       Christmas Eve                   Closed

12/31/21       New Year's Eve                 Closed