Burglaries make up about 50% of on-campus crimes, so students and parents should take safety and insurance precautions. Dorm residents are usually covered under parents' homeowners policies, but off-campus students may need renters insurance. Leave valuables at home, create a detailed inventory, and engrave electronics for ID. Always lock dorm rooms, never leave belongings unattended, use laptop security cables, and be cautious with fire hazards like cooking appliances.