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QUINCY, ILL. -- It's back-to-school time, not only for kids but college students as well.

You go through the check list of everything your kids need, but have you thought about insurance?

You might be surprised that their insurance coverage has changed.

Lets start with health insurance, young adult can stay on their parents health insurance until they are 26, whether they are single or married.

Make sure they have copies of insurance cards and a list of health care providers under your insurance plan.

Next you need to make sure all that stuff you just bought is covered.

Check with your agent to see if they need renters insurance or if it's covered under your homeowners policy,

Beth Barnes with State Farm Insurance says it's great to have the kids take out a policy on their own to help them in the future.

And don't forget about your auto insurance, different rates may apply if you attend school in another state or city.

Having a good grade point average can also get you a discount on your auto insurance.

If you are unsure about any insurance policy, Beth Barnes says just call your insurance agent they can help you with your questions and policy change.