07/20/2026
Most parents don’t realize this: yes, your student might have a little coverage under your homeowners policy — but it’s limited, and it disappears the moment they move off campus.
Dorm theft is one of the most common college claims, and laptops, phones, and electronics are the first things to go. Your homeowners deductible is usually $1,000–$2,500, which means most losses wouldn’t even qualify.
A renter’s insurance policy gives your student their own coverage, their own liability protection, and a low deductible — usually for $10–$15 a month.
Small cost. Huge peace of mind. Perfect for dorms, apartments, and every place they’ll live during college.