Moving into college housing is an exciting time for students and families. Whether your student is living in a dorm or renting their first apartment, there are a lot of important things to take care of before move-in day. This checklist will help parents and students stay organized, reduce stress, and make sure everything is covered, including insurance, key documents, and must-have essentials.
1. Insurance Coverage
One of the most overlooked parts of student housing is insurance. Many families assume their homeowners policy will automatically cover their students’ belongings, but that is not always the case.
Dorm Housing
If your student is living in a dorm, some homeowners policies may extend limited coverage. However, coverage amounts are often capped, and not all policies include off-premises protection. It is important to call your insurance company and confirm exactly what is covered.
Off-Campus Apartments
Students living off-campus typically need a separate renters insurance policy. Renters insurance covers personal property (like electronics, clothing, and furniture), liability in case someone is injured in the apartment, and sometimes even temporary housing if the rental becomes uninhabitable.
To-do:
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Check if your homeowners insurance covers dorm living
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Purchase renters insurance if your student is living off-campus
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Confirm the policy is under the correct address
2. Lease and Housing Documents
Make sure your student has all the necessary documents for move-in. These documents may be needed for housing verification, utility setup, or when filing an insurance claim.
Important Documents to Organize:
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Signed lease or housing agreement
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Proof of renters insurance (if applicable)
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College ID and acceptance letter
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Emergency contact list
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Roommate agreement (if renting with others)
It is a good idea to store both digital and physical copies of these documents in a place that is easy to access, like a shared folder online.
3. High-Value Items and Insurance Inventory
Before your student moves in, take stock of any valuable items they plan to bring. This will help if anything gets lost, stolen, or damaged, and is also helpful when filing insurance claims.
Common Items to Document:
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Laptop, phone, or tablet
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Headphones, speakers, or other electronics
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Bicycles, skateboards, or scooters
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Furniture and décor
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Textbooks and school supplies
Take photos and write down serial numbers. Save everything in a secure folder or file for reference.
4. Emergency Contacts and Safety Info
Make sure your student has quick access to emergency contacts, especially since they may be living in a new city or state.
Helpful Numbers to Have:
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Local non-emergency police number
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Campus security or RA contact
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Landlord or property manager
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Insurance provider’s claim number
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Nearest urgent care or health center
Encourage your student to save these in their phone before they move.
5. Medical and Legal Forms
When your student turns 18, you may not automatically have access to their medical or academic information. Having a few legal forms in place can make emergencies easier to manage.
Key Forms to Consider:
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HIPAA release form – Allows doctors to share medical info with you
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Durable power of attorney – Authorizes you to make legal or financial decisions in emergencies
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FERPA release – Gives access to college records like grades or disciplinary actions
Some of these forms may need to be signed and notarized. Check with your student’s school for specific requirements.
6. Move-In Day Essentials
Packing for college goes beyond clothes and school supplies. It is about making sure your student is comfortable and ready for daily life.
Packing List:
Bedding & Laundry:
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Twin XL sheets and comforter
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Pillows and mattress topper
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Laundry basket or bag
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Detergent pods and dryer sheets
Electronics:
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Laptop and phone chargers
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Surge protector or power strip
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Headphones or earbuds
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Desk lamp
Toiletries & Cleaning Supplies:
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Shower caddy and flip-flops
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Towels and washcloths
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Hand soap, wipes, and disinfectant spray
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Trash bags and paper towels
Kitchen & Food Basics:
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Mini fridge (if allowed)
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Microwave or toaster
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Dishware, utensils, and a water bottle
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Easy snacks or microwave meals
Double-check what is allowed in the dorm or apartment before buying appliances.
7. Final Pre-Move-In Tasks
Before the big day, go over the following final checks:
Checklist:
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Confirm the lease start date
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Ensure renters insurance is active and matches the correct address
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Complete a walkthrough of the unit and take photos of any damage
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Set up Wi-Fi and utilities (if renting off-campus)
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Save contact info for roommates, landlord, and campus staff
Explore More Student Insurance Questions:
Conclusion: Start Smart with a Solid Plan
Preparing your student for college housing involves more than just boxes and bedding. From protecting their belongings with renters insurance to making sure they have the right documents in place, taking the time to plan ahead can save you time, money, and stress later.
If your student is moving off-campus or bringing valuable items to their dorm, consider getting a student renters insurance policy. It is one of the easiest ways to protect your investment in their education and peace of mind.