Does A College Student Need Renters Insurance? 
When you rent a piece of property you accept certain risks . Buy insurance if you can not afford to accept the risk . The risk is the cost of replacing all of your personal property . The risk is the cost of a lawsuit if you are sued for bodily injury or property damage . If you are living in a dorm there might be extensions of certain coverages from your parents homeowners policy . Check with your trusted insurance agent . 