Hey all, Need some pointers who have purchased renters insurance for college dorms. My son will be attending as a freshman, and he has items I want covered. For instance: iphone, MBP, a fixie bike, clothes, monitor etc. I know my homeowners will cover, however my deductible is 1k and I don't want a claim for a stolen bike worth 1k. Now, I have done some investigation on this and have found for 200 a year and a $25. Deductible gives him about 8-10k in coverage for a year- carte blanc. It even covers damage to iPhones, computer. Etc. Is this coverage to good to be true, or is it legit. Has anyone purchased such, or even had to file a claim on such a policy? I am considering this company http://www.collegestudentinsurance.com Thanks for any guidance, appreciate it.