Does my homeowners insurance coverage cover my daughter while she’s in college, renting her own apartment?

Whether your homeowners insurance policy covers your daughter while she is in college and renting her own apartment depends on the specific policy and its terms and conditions. Generally, most homeowners insurance policies provide limited coverage for personal property owned by the policyholder's family members, including children who are away at college, but there may be limitations and exclusions. If your daughter is living in a rented apartment, she may need to obtain her own renters insurance policy to cover her personal property and liability, as your homeowners insurance policy typically does not cover damage or theft of property that does not belong to the named insured or reside at the insured property. However, some homeowners insurance policies offer limited coverage for a dependent child's personal property while they are temporarily living away from home, such as in a college dorm or off-campus apartment. It's essential to review your homeowners insurance policy and speak to your insurance agent to understand the specifics of your coverage and whether your daughter is covered while she is away at college. If your policy does not provide sufficient coverage, you may need to purchase additional coverage or a separate renters insurance policy for your daughter. It's also worth noting that renters insurance can provide valuable protection for college students, as it covers personal property damage or loss due to various causes, including theft, fire, water damage, and liability claims. It can also cover additional living expenses if the apartment becomes uninhabitable due to a covered event. In summary, whether your homeowners insurance policy covers your daughter while she is renting her own apartment in college depends on the policy's terms and conditions. You should review your policy and consult with your insurance agent to determine if additional coverage or a separate renters insurance policy is necessary to protect your daughter's personal property and liability while she is away at college.