Does a college student need insurance for his/her belongings while away at college?

Answer:

If the student is a permanent resident of the insured home, is a full time student and has been at the student housing location at any time during the 45 days immediately before the loss, then he/she does not need insurance for the belongings. In this case, the belongings would be covered under the homeowners insurance where the student is a permanent resident (Example: his/her parent’s homeowners insurance would cover the belongings if the student lives with his/her parents when not at school).