Your coverage limits can be calculated by thinking of all the things that you are taking with you to college. Imagine that there is a fire at your residence and everything was completely ruined, how much would it take for everything to be replaced? For your personal property coverage, this can include a laptop, smartphone, gaming system, television set, clothes, bicycle, etc.
Click here to use a calculator to help determine your amount. Please remember that jewelry, watches, and furs have a total sublimit of $1,000 with no more than $500 per item.
For personal liability, you will want to check with your residence to see if they have a specific required coverage limit. As this insurance insures the structure itself that you are living in, sometimes the person that owns it has a certain requirement.