Should A College Student Get Renters Insurance? 
That depends upon two things really . First , the type of housing you are in and second the terms and conditoins of your parents ' Homeowners Insurance policy . Let 's talk about the second one first . If your Insurance Professional advises you that your parents ' Homeowners ' policy provides extended coverage that is adiquate to cover your personal belongings in an on campus dorm , then in that case , it is not critical that you obtain a separate renters insurance policy . If the Homeowners policy does not provide this extension or , more commonly , if you are housed in off campus rental unit or house , then obtaining a renters insurance policy would not only be smart , it may also be required by the buildng owner or management company from whom you are renting . 