So in past years - we had Donegal for insurance - and for $7 for the year, they somehow extended our homeowners insurance to my son’s apartment.
Really - my kid probably doesn’t have $1K worth of stuff (excluding computer) so not sure why needed - but for liability.
This year we switched to Stillwater - and they don’t offer the same rider - so I have to get them their own. The apartments all recommend the one mentioned above (like $12 a month) but State Farm was 8 in both my kids apartments.
That said, you’re asking about a dorm - and I never had any “dorm” insurance - so i don’t think that’s necessary.