Should A College Student Get Renters Insurance? 
No , you do n't . You just need make sure -LRB- if requested -RRB- your Landlord is added as an ` Additional Third Party ' . Your parents ' agent should be able to provide you with a Certificate of Insurance that will satisfy the Landlord in any capacity for the liability coverage they are seeking . You are living there as a temporary student , so your parents ' coverage is extended to you temporary residence . 