Tuition and a dorm room are not the only expenses you face when your child goes off to college.

A personal computer, CD player and small appliances as well as clothes and jewelry are common items in a student’s dorm room, but what about insurance for these valuables?

While your homeowner’s insurance policy may cover part of the items’ value, it may not be adequate in case of theft or damage. Check with your insurance agent to determine the exact amount that would be paid if there were a loss.

If additional coverage is needed, you can take out a renter’s policy to cover the contents of the dorm room or apartment.

A list of property and receipts showing purchase price of new items should be kept in a safe place in case they are needed to support an insurance claim.

Keep in mind that most policies pay the depreciated cost, so you may want to add a replacement coverage endorsement to your personal property coverage.