Renters insurance for sure... do not add to homeowners..
As a suggestion to keep not only her lap top safe, but any other valuable items, I-pad, or tablets, wallet, phone, important documents, cash or credit cards or gift cards, jewelry, car keys if she is taking a car.... any type of camera equipment, lots of of stuff that can disappear... You might want to think about getting a small safe, like a gun safe, with them you use just a finger print to open them, as well as a key or combination to open, or all three... as well you can anchor them to the bed, so no-one can walk away with the safe....
You can pick one up for under or right at 100.00 bucks... they look like hotel safe's... this way when she is sleeping or showering, or in class, she can easily protect her stuff, and with a press of her finger can put stuff in and take stuff out, without any type of hassle...
Our friends DD lived in a quad, I think that's what they call it... she had her own bed and bathroom, and shared living space and kitchen space... with people coming and going. Items were always coming up missing... So when she went back to school after Thanksgiving, her parents installed one on her night stand and things stopped coming up missing. Their DD said at first she did not really want to use it, then after her other roommates wallet and stuff got stolen, she started really using it... she said knowing that her stuff was secure while out of the quad, was really a good thing for her... she used it all 4 years, then into grad school... and when she got her own apartment...
Another item that they got was a deadbolt for her door...
Another item was a waterproof phone case... the kind with a lanyard...