As your child prepares to head off to college and embrace life in the dorms, you want to make sure they're protected. You may have already discussed ways to maintain their personal safety and awareness on campus, but what about their belongings, which may include their expensive schoolbooks, laptop, bicycle, jewelry, or furniture?

Purchasing dorm insurance is one option that can help your child stay protected by replacing their valuables following a theft or other covered loss. Understand the basics as you begin researching policies.
Why choose renters insurance for college students?
Theft and accidents can happen anywhere, including college campuses. As of 2014, there were 27,000 reported criminal incidents on campuses nationwide.
Exactly half of those were burglaries.
Even if you know your child will be careful about visitors and keeping items secure, you don't know if their roommates and other residents in the dorms will follow the same safety protocols. These other students may not be as careful about inviting strangers to the dorm room or may accidently leave the stove on (if you are living in an apartment) and cause a fire.
When you purchase a renters insurance policy that covers your child while they're living in the dorms, your child's possessions will be replaced when a covered loss happens. This insurance provides peace of mind that the costs of the important things they've brought to college will be reimbursed, should the unexpected happen.
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