Does Homeowners Insurance Cover Dorm Rooms? 
You would want a renters policy for the dorm room to ensure that you are properly covered in the case of a covered loss . Homeowners insurance may provide some limited coverage for your personal property while residing in a dorm room but you would be fully covered under a renters policy . To fully understand the coverage offered by your policy you are encouraged to read it completely or contact your local agent to have them go over the coverage and exclusions with you . 