OP: In a word, yes!! One year during winter break, the pipes in my dorm froze and our room was inundated with water. Fortunately for me, almost all the damage was on my roommate’s side. She lost a good bit, including a flute. She naively assumed the private dorm would reimburse her and they said, nope, you should have had renter’s insurance. Neither of us even knew that existed! So I made sure all my kids were covered by it at college.
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