Does Home Insurance Cover Property That My Child Takes to a Dorm?

Does Home Insurance Cover Property That My Child Takes to a Dorm?

Does Home Insurance Cover Property That My Child Takes to a Dorm?

Here’s the scoop on dorm coverage:

  • Farmers® home policies cover items that a household member takes off premises. 
  • The amount of coverage is a percentage — 10 percent, for example — of your total contents coverage. 
  • This is usually enough coverage for property that students take with them to college. 
  • Certain valuables may need additional coverage. 


Q: Our son is leaving next week for his first year of college. We’ve already packed up most of his personal belongings for the trip. Now I’m starting to wonder — will his things be covered by our home insurance if he’s living in a dorm?   


Sandy Widmer, a Farmers Insurance® agent in Casper, Wyoming, explains how your home policy can provide the appropriate coverage. 

A: As I tell customers when their kids leave for college, one thing you probably don’t have to worry about is insurance. Farmers home policies automatically come with a certain percentage of off-premises coverage. Farmers Smart Plan Home®, for example, provides up to 10 percent of your home contents coverage on items that a member of your household takes out of the house. This amount is usually enough to cover what students bring to a dorm. Let’s say you have $200,000 in coverage for the contents of your home. That translates to $20,000 in off-premise coverage. 

If your child brings something valuable with them, like a musical instrument or video camera, you might need additional coverage for that specific item on your home policy — if you don’t have it already. This applies to any valuables in your home, not just ones that end up in a dorm. If you’re not sure whether something’s covered the way you want, ask your agent about it before school starts. 

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