How much cover do I need?
If you've found that you do have cover through your university or parents' home contents insurance, you need to make sure you're happy with the maximum amount that the insurance provider will pay out. This is especially important if you have any particularly valuable possessions, such as a new laptop, digital camera or jewellery.
Most policies have a maximum amount that they will pay out for any single item before you need to specify it separately on the policy (this is often around £1,500, but can be lower). So make sure you check whether you need to list any individual valuable possessions separately on the policy.