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Gone are the days of a college student loading up the family car with just a couple of boxes to take to school. Nowadays, students bring laptops, televisions, bicycles, musical instruments, cell phones and other digital devices into their new dorm rooms. And while we want to believe that Junior is incredibly responsible, the truth is, he or she is bound to forget to lock their dorm door at least once—and his or her laptop may get stolen. Or they may leave their belongings unattended in the library while they take a phone call. Or burn Easy-Mac in the microwave and set off sprinklers, causing water damage to his or her computer (true story—happened to a “friend”).

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