Do you know that including your kids who are off to college increases your premium levels to a higher level? Exclude them and get the insurance for those who only live in the home. Brutal, nope, for there are special insurance packages that are offered for college students that gives them their own insurance. They are away for most of the time so this would be a better choice. That way, you and your minor kids get the best amount of insurance that you can get. This lowers the premium you have to pay while increasing your chances of getting higher coverage.