<p>So does anyone living in the dorms at UT Austin buy renters and/or liability insurance; is it even worth it?
If you do, is there a certain company you recommend? How much coverage do you buy and how much is the deductible & premium.</p>
<p>Check with your parents’ home owners insurance company. You may already be covered under the home owner’s policy.</p>
<p>For coverage of personal belongings, see this thread (and you can search the archives of the Parents forum for others through the years) – there are two insurers that are repeatedly recommended here. I posted about our positive claim experience with one of them.</p>
<p><a href=“http://talk.collegeconfidential.com/parents-forum/1333301-personal-property-insurance-dorm-rooms.html?highlight=insurance[/url]”>http://talk.collegeconfidential.com/parents-forum/1333301-personal-property-insurance-dorm-rooms.html?highlight=insurance</a></p>
<p>A college student living in a dorm doesn’t generally have the type of risk exposure that requires liability coverage; but certainly check to see what coverage extends to you from your parents’ homeowners, and if none, and you DO think you engage in some high-risk activity requiring liability coverage, then get a renters policy (and of course, skip the personal property policies discussed above).</p>
<p>@m1817 Well with home owner’s insurance I heard the deductible is extremely high compared to what you can get with renters insurance :o</p>
<p>@TXArtemis Thank you for the information.
I looked over the thread you linked and it seems like CSI is the way to go.
And I will also be sure to ask my parents about the liability.</p>