Dorm Room Insurance: Is it worth getting?

[thumper1]

@mynameiswhatever you might get some helpful info from this thread.

Property insurance for kids stuff in the dorm and dropping a new freshman from my auto policy?

Does anyone know how this works and is this something I should even be worried about? Does my homeowners policy as a parent reach into their dorm to cover contents? And does it require us to meet our deductible? We have fairly high limit deductibles and I am hard pressed to see her having a potential claim that would meet that test. Do parents of college kids worry about covering dorm incidentals with insurance or should this just be self-insured? And bonus credit on how it is to drop a kid from my auto policy if they are leaving for college. She is going more than half the country away and will not be driving a car at all while there. She will be in a major US city with subways with no car access. I assume she would be a permissive driver when home for breaks, but am curious to hear perspectives from either knowledgeable parents or people in the insurance business that know what they are talking about. Thanks for your help!