If you're counting on your parents insuranc to cover you in your dorm, or in your apartment at school, it may not cover everything you think. Small property claims (i.e. stolen/misplaced laptop) aren't really covered because most of the time they won't be more than the deductible your parents carry on their house.
Read this article for more information.
Insurance a must in the dorms
There are also niche programs that offer what you need. Like this one:
https://www.gallagherkoster.com/students/student-personal-property/
Informative post ! I had never known about it..I will surely go for it and really love to share it with my friends as well.
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