Agree with dorm insurance - not 1 but 2 dorm fires last year at one of our child’s school (no damage for her) - but smoke damage x many rooms plus water damage and expense on your own for items if no insurance.
Car insurance - went down significantly with kids “put on away” and still covered holidays and summers. I called numerous times and always got the same answer - as pleasantly surprised about the savings and no need to pay more when they were home.