It's finally time for your son or daughter to leave the nest and go off to school, but as they're packing up all their worldly possessions, you need to take the time to review your insurance policy. Why? Your child will want to take everything with them - clothes, books, and electronics - and if anything is stolen or damaged you'll likely be the one footing the bill. Luckily, most home insurance policies will provide some coverage - but learn the limitations before you let your child leave with everything, otherwise you could be disappointed when you have to make a claim.