It is not uncommon for your parents'/guardian homeowner's policy to include coverage on personal property away from home. Usually a percentage of the total coverage would apply to your belongings at school. Call your insurance company to check on what would be covered away from home in case of flood, fire, or theft, before you move into your apartment. If you decide that you actually need a renter's policy of your own, you may shop around to ascertain the best deal. Renter's insurance is available through National Student Services, Inc., for off-campus needs as well as on campus. Forms are available at the Office of Off-Campus Living or you may go online to their website www.nssinc.com or call 1-800-963-7739.