Insurance a must in the dorms

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/