STRAIGHT TALK: Should You Insure Your College Kid's Stuff When They're Away At School?

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A lot can happen when your kids go away to school - it can even be a little worrisome! Will they get enough sleep? Will they get good grades? Can they live off Ramen and Easy-Mac? 

The last thing you need to be concerned about is their stuff being stolen or damaged, like that new laptop you just bought. And having insurance coverage in case they accidentally cause damage to their living space is important too. Often times, your homeowner's policy will cover those things but sometimes they need a separate renters policy.

Nancy works at NNINS and has kids going back to college in Virginia this fall. She can tell you how to decide whether you need extra coverage for your kid's valuable things while they away at school. Take a look: