<p>A renters insurance policy might cover you - although I would talk to an agent on the phone rather than doing it online to be sure you’re covered. You just need the cheapest policy (it’s usually around $10K of coverage, although some firms may do cheaper). Your parents also may be able to cover your stuff under their homeowners insurance, although I guess you would need to call their agent and find out.</p>
<p>It’s a good thing to have - it’s relatively cheap ($10/month standalone, but bundled in with your parents’ car or home insurance it could be even cheaper - like $2-5/month) but will save you a great deal of money in the case that your laptop or smartphone is lost or stolen, or damage comes to your residence hall.</p>