You've survived the summer living with your parents and now you're almost free, right? But before packing your bags and heading off to school, you'd be wise to learn about the real costs of moving away from home. Whether you're planning to live on campus or in an apartment a bus stop away, knowing about these three common moving disasters could help you make the grade and save a bundle.

I never thought I'd get robbed while away at school, but I did. The bandits broke into my off campus apartment and made off with my computer, desk, CD collection, mountain bike, textbooks, and inline skates. It doesn't sound like I owned a lot, but after adding up my losses I discovered it would have cost me thousands to replace my stolen property -- money I didn't have as a starving student. Luckily, I avoided this financial disaster since the contents of my apartment were protected under my renters insurance policy.

Before moving away for school, add up the cost of your stuff -- everything from boots to books -- and ask an insurance broker for a renters or tenants insurance quote. Asking for a quote is free, and a $20 per month policy could save you thousands in lost property due to theft, fire, or water damage. Another tip is to check your parents' homeowners policy -- it's possible that your property is covered while you're a student away at school.

Running out of money before writing your final exams is a financial disaster that can be avoided by adding up all your moving costs and living expenses before leaving for school. Students living on campus should factor in any costs not included in their room and meal plan packages, while students moving off campus should budget for internet, phone, heat, electricity, and food. Don't forget to tally the costs of airfare and travel if you're studying out-of-province -- those flights home can bust any budget if not accounted for. Download this free Student Budget Planner to tally all your costs in a single comprehensive list.

Being on the hook for a 12-month rental lease when you're only in school for 8 months is a huge financial burden many students don't consider until after finals. Before signing on the dotted line, ask your landlord if there are alternatives to an annual rental agreement if you only need the room for part of the year. Some landlords in university towns offer monthly rentals, while others will let you sublet during the summer session.

Always get your rental agreement in writing and understand the rental conditions for your province or territory. Being aware of deposit costs, mandatory post-dated cheques, any rent increases, and how to renew or terminate your lease could save you thousands. See the Canada Mortgage and Housing Corporation (CHMC) rental agreement page for lots of advice on signing a lease, including provincial and territorial fact sheets.

Your Turn: Do you have a moving back to school disaster that cost you a few bucks? Got a tip for students looking to cut costs?