Can You Get Renters Insurance For A Dorm Room?

  1. 575 POINTS
    Mathew Erickson
    Owner/Agent, Erickson Insurance Agency - Farmers Insurance, Canton, OH
    You can certainly get renters insurance to cover belongings in a dorm room, but you probably don't need it.  Most college students would be covered by their parents homeowners policy when they leave for college, so renters insurance wouldn't be necessary. I would recommend you have your parents check with their agent and make sure, but nearly every homeowners policy would have this coverage.
    Answered on July 18, 2013
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  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    I haven’t done it before; however, I think it would be possible.  Dorm rooms are normally “furnished,” so your personal property in a dorm room wouldn’t be too great.  Having said that flat screen TVs, sound systems, books and clothes can add up quickly.  You might want to estimate the cost of replacing everything and then remember that if there is a loss there is also a deductible so you will not recover everything that you lose.  It might be a good idea.
    Answered on August 19, 2014
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