I use Gallagher’s for my sons’ property insurance for dorm and off-campus apartments except the one that required he use their renter’s insurance. One son has filed two claims – phone repair and something else I can’t remember now - and they paid promptly. You can choose deductible, how much to insure and it covers them for a full year including if studying abroad.
I asked our auto insurance company to set one son to away at college because he was more than 500 miles away with no car. It reduced our premium by like $2. So not worth it.