Home and contents insurance are not likely to be the first thing on students' minds, nor are they the most exciting of tasks, but they are critical.
The Association of British Insurers (ABI) has pointed out that students often have a lot of hi-tech equipment that would be expensive to replace should it get damaged or stolen.
It urged university goers to assess how much their possessions are worth and carefully consider the type of home insurance cover they take out.
"Some policies will cover content up to a fixed amount; others will ask to specify roughly how much they have of value," a spokesperson explained.
"Keep receipts of the stuff that they buy and if anything happens they come to claim there is evidence."
Particularly expensive or specialist items such as jewellery or musical instruments may require specialist cover and there may be requirements on things such as where a bicycle is kept if it is to be covered, he continued.
"For peace of mind and a bit of security, contents insurance can play a very important part," the spokesperson continued.
"The key thing is to always make sure that you choose cover that is most appropriate to your needs."
According to figures from Endsleigh, the average student will take nearly £4,000-worth of possessions to university.
The most common item is a laptop or desktop computer, followed by mobile phones, MP3 players and digital cameras.
More than half also take hair and beauty items such as hair straighteners and a quarter have specialist equipment such as sports gear or a musical instrument.
As many of these items are portable students can be carrying around more than £1,300 of gadgets at any time.
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