Whether your child is living on or off-campus, your home insurance policy can be purchased on terms that provide coverage for the valuables of your children. Usually, items and valuables such as computers, electronics, firearms, jewelry, silverware, cash, and other expensive items have limits of protection from insurance companies. If the limit of your insurance doesn’t sufficiently cover your child’s valuables, you can increase the limit to enjoy more coverage.  If increasing the coverage doesn’t do the trick, seek special insurance for your child’s valuables.
Usually, for a child who lives on campus, your homeowners insurance extends 10% of your policy to your child. This means if you purchased the insurance at $300,000, your child enjoys coverage of $30,000. If the 10% is insufficient to cover your child and their valuables, you can always increase the limit or seek a separate insurance plan.