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Could you afford to replace your belongings?
Missouri S&T does not assume financial responsibility for the personal property of residents or for unintended damages done to the university. Missouri S&T has partnered with GradGuard, which offers renters insurance that has protected over 1.7 million members. You are expected to obtain renters insurance before you move in. If your laptop gets damaged or stolen, how would you replace it? What about your personal property if your residence hall floods?
Protect your belongings from things like:

Coverage is provided by Markel American Insurance Company and/or Markel Insurance Company and underwritten by Markel Service, Incorporated, national producer license # 27585, in California d/b/a Markel Insurance Services, license # 0645481. Policyholder services are provided by Next Generation Insurance Group, LLC. Insurance and coverage are subject to availability and qualifications and may not be available in all states. Terms and conditions for rates and coverages varies. All insurance products are governed by the terms, conditions, limitations, and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions, and exclusions. Any information on the site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products.