So why do I need Contents Insurance exactly?
Losing or damaging a laptop, an mp3 player, a mobile or a TV is a brainache that students can ill afford. However contents insurance can provide the peace of mind that you needn't bear the full cost if something goes wrong. It's also wise to invest in your own policy, as being put on your parents' home insurance policy usually only allows a limited amount of cover - such as 90 days in a year, which for most simply isn't enough.