We are often asked by friends and family preparing to send their kids to college about student renters insurance. This is not surprising since many news stories and insurance agents offer differing views at this time of year. Some professionals have gone on record against the need for student renters insurance stating that homeowners policies extend protection to students when they are away at college. Others advise families to purchase specific coverage or "floaters" on select personal items (laptops, smart phones, etc.) and continue to rely on the home policy for broader coverage. Our approach is not to refute this guidance but to help make families aware of the practical value of a student renters policy and why homeowners insurance is not always the best solution.