TAYLOR DICHELLO, 22NEWS ANC: IF YOUR CHILD IS HEADED OFF TO COLLEGE FOR THE FIRST TIME THIS FALL, YOU MAY WANT TO CONSIDER BUYING DORM INSUIRANCE

22NEWS REPORTER CIARA SPELLER FOUND OUT WHY THIS PROTECTION COULD BE NECESSARY CIARA: COLLEGE IS COSTLY ROOM, BOARD AND TUITION CAN COST TENS OF THOSUANDS OF DOLLARS HAVING TO REPLACE UNINSURED ITEMS ONLY ADDS TO THE FINANCIAL BURDEN EACH YEAR STUDENTS LOSE MILLIONS OF DOLLARS WORTH OF PERSONAL PROPERTY DUE TO THEFT AND VANDALISM DORM INSURANCE WILL COVER STOLEN OR DAMAGED BELONGINGS BUT MANY STUDENTS AREN'T AWARE THIS OPTION IS AVAILBLE DENA POLVERARI I DID NOT HAVE DORM INSURANCE AND I DID NOT KNOW IT WAS AN OPTION

KATIE GRASSO YA, I NEVER THOUGHT OF IT BEFORE, BUT NOW HEARING ABOUT IT I THINK IT SOUNDS LIKE A GOOD IDEA ACCORDING TO NATIONAL STUDENT SERVICES INC, THERE ARE NEARLY FOUR THOUSAND FIRES AND MORE THAN TWELVE THOUSAND THEFTS IN UNIVERSITY RESIDENCE HALLS EVERY YEAR CIARA SPELLER PRESIDENT OF THE INSURNACE CENTER OF NEW ENGLAND BILL TRUDEAU TOLD 22NEWS THAT DORM INSURANCE WOULD COVER THINGS LIKE DAMAGES TO PERSONAL ITEMS INVOLVED IN A FIRE OR A FLOOD DORM INSURANCE DEDUCTIBLES CAN BE AS LOW AS TWENTY-FIVE DOLLARS

BUT TRUDEAU SAID THAT STUDENTS CAN BE COVERED THROUGH THEIR PARENTS' HOMEOWNERS POLICY WHILE LIVING ON CAMPUS BILL TRUDEAU REALLY THAT SHOULD TAKE CARE OF MOST KIDS' SITUATIONS WHERE YOU WANNA BE CAREFUL AND LOOK IN PARTICULAR IS TO THINGS LIKE COMPUTERS LIKE AN EXPENSIVE LAPTOP YOU MAY WANT TO TALK TO YOUR AGENT ABOUT THE COST TO LIST THAT SPECIFICALLY TRUDEAU SUGGESTS STUDENTS HAVE SOME KIND OF INSURANCE COVERAGE IF THEY HAVE EXPENSIVE TECH GEAR AND THEY'RE LIVING ON A COLLEGE CAMPUS CIARA: A 5 THOUSAND DOLLAR DORM INSURANCE POLICY WITH A 25 DOLLAR DEDUCTIBLE WOULD COST YOU AROUND 140 DOLLARS A YEAR