Ramey King Insurance Connection 
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Greetings,
We are pleased to be sending you the latest issue of our Personal Lines Insurance Newsletter.
For a review of your personal insurance needs please contact the Personal Lines Team at your convenience. We are happy to help in any way we can, please feel free to give us a call.
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Taking Insurance to College
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My son (daughter) is leaving home to attend college this fall. Will my auto and homeowners insurance policies cover him while at college?
This is a great question, and one that our customers ask frequently.
When college students move from home to their home-away-from-home - a rented dorm or apartment - insurance issues can arise and should be addressed before they leave home.
One key question that arises in discussing these issues is whether the student is still considered a resident of your household. This is a legal question, but your homeowners and auto policies both contain provisions that apply the broadest coverage available in those policies to persons who are legally considered residents of your household.
It is generally accepted that students living away from home while attending college are residents of their parents' household. Based on previous Texas court decisions, the real test is whether the absence of a person from the household is intended to be permanent or only temporary - whether there is physical absence coupled with intent not to return. This leaves a great deal of room for interpretation. There may be borderline cases that require you to think about alternatives. For example, it may be difficult to consider a 23-year-old graduate student living in an apartment year-round to be a resident of your household.
So what do your Homewoners and Automobile Policies cover Click Here to find out.
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For more details on either subject or for an overall review if your business, home, auto or health insurance program, contact Ramey King Insurance at 1-800-453-9691, visit www.rameyking.com or stop by.
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If you have any topics you would like to see featured in an upcoming newsletter, let us know. We truly appreciate your business.
Sincerely,
 The Personal Lines Team Ramey & King Insurance Assoc Inc
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510 North I35 E Denton ~ TX ~ 76205 ~ 940-382-9691
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