Q: Does my homeowner’s policy cover my child’s property if he lives in a dorm?
A: If the child is a full-time student usually 10% of your personal property limit stated in your HO policy will cover his/her belongings. If you think you aren’t adequately covered, consider purchasing a renter’s policy.
Q: Do these coverages apply if my child lives in off-campus housing?
A: Most HO policies will NOT cover personal belongings for students in off-campus housing. We recommend purchasing a renter’s policy.