<p>One note on homeowners, our S is not going to be in a dorm in the fall, and because he will have an apartment, or homeowners will probably not cover it under our rider, because they consider that ‘permanent housing’ (I will keep it for when he is home, if he is home during the summer or travelling). My agent told us to get renters insurance and get a rider on that for it for when he is at school.</p>
<p>One thing I stress, don’t use the insurance for relatively minor things, I can’t tell you a magic number but if it is a couple of hundred bucks, for example, might be better to pay it yourself, they hate when people file claims on relatively minor things.</p>