<p>I just called my insurance company to check on insuring my D's laptop and musical instrument. Although they said both are already covered under my existing homeowners policy, there is a $1,000 deductible first. </p>
<p>I remember when my eldest D went to another college that I received mailers from outside companies for insurance coverage for personal property in her dorm. The fee was minimal-I think around $50. I have not received anything like this this time. </p>
<p>Does anyone have any experiences to share involving protecting personal property from theft? It's rather hard to secure a trumpet:P</p>
<p>There are personal articles policies which will insure just the item named such as the computer. Another option is to get a rental policy. This can have a much lower deductible then your homeowners policy and will give them coverage for all of their property as well as liability and MPC coverage.</p>
<p>Thanks Tarhounm. Do you have more information about where to purchase the rental policy? I was swamped with junk mail when my eldest daughter went off to college-from sheet sets to optional insurance. I am not sure if the lack of mail is due to the economy and mail expense cutbacks, but I haven't received the first college junkmail advertisement. Don't get me wrong, I am NOT complaining about not getting junkmail, but right about now a rental policy offer would be welcomed. ;)</p>
<p>I found my own answer on another thread (Parent Cafe) There are testimonials for CSI <a href="http://www.collegestudent%5B/url%5D">www.collegestudent</a> insurancecom/ 888-411-4911. For a $4,000 policy, it will cost me less than $100 per year. My homeowner's policy would have $1K deductible.</p>
<p>We have our policies with State Farm. All of the major carriers that write homeowners will probably also write a rental policy for students with a lower deductible.</p>