You may want to consider dorm insurance too, especially if your child plays a musical instrument. Check with your own insurance company to see if your policy covers your child's belongings at school - then consider renters or dorm insurance. There may be a pamphlet on dorm insurance in your child's orientation packet too. Insurance will cover your child against theft and damage – including burst water pipes and fire - but read the fine print. Some insurance policies exclude laptops, other require a special rider for musical instruments.