A College or University is not responsible for damage to or theft of student property.
Most schools strongly encourage students and parents to consider purchasing coverage such as
that offered by CSI and Fireman's Fund Insurance Company.
| Q: |
Where can I download a copy of the policy before I buy it? |
| A: |
You may download and read the policy here. |
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| Q: |
Doesn't my homeowners policy cover my child's property? |
| A: |
It depends. Not all Homeowners policies are the same. But most will provide some coverage.
Most policies have limitations on certain property. And, the limit for property away from the principal residence
is generally 10% of the personal property limit on the parent's policy.
Most Accidental Damage is not covered. For a detailed comparison, please go here. |
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| Q: |
If my homeowners policy provides coverage,
why would I want to purchase a separate policy? |
| A: |
The CSI / Allianz policy applies first regardless of other insurance.
The CSI / Allianz policy applies first regardless of other insurance. It also covers things a
homeowner's policy does not and affords greater recovery using far lower deductibles than a standard
Homeowners policy. The homeowner's policy was designed for your home. The CSI policy is designed for
College Student property. For a detailed comparison, please go here. |
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| Q: |
Will CSI's policy cover property if my child resides off-campus or in an apartment? |
| A: |
Yes. We cover student property anywhere in the world as long as your child is or will become a part-time or full-time student. |
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| Q: |
If someone stole or damaged my child's property would the
Student Personal Property Protector Plus® cover that loss? |
| A: |
Yes... unless the theft was from a vehicle that was not locked and forcefully entered. For theft claims, be sure to report the incident to a local Police Department and obtain a copy of the police report. For damage claims, please obtain a repair estimate that describes the extent of damage. |
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| Q: |
If my child lost something, is that covered? |
| A: |
No. Items misplaced, lost or left behind are not covered.
Items stolen by theft, burglary or robbery are covered. A police report must be filed for these type losses. |
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| Q: |
Will CSI's policy cover property that my son or daughter borrows from the school if that property happens to be stolen or damaged? |
| A: |
Yes. It covers property in the care, custody or control of the insured. Your homeowners policy may not provide this coverage. |
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| Q: |
What is the process of filing a claim? |
| A: |
In the event of property theft or damage, file a claim on our homepage by clicking Enter Claim Center. Find the link to File Your Claim and log in using your policy number. Answer all of the empty fields in the online claim form and submit your claim. This will open a claim directly in our database and you will receive a confirmation email that will include detailed instructions on how to complete your claim for settlement. |
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| Q: |
How quickly will I receive my claim settlement check? |
| A: |
Once all supporting documentation of your claim has been received, our claims process can generate a settlement check within 30 days. |
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| Q: |
Do I need to provide a list of inventory before buying the policy? |
| A: |
No, this is an unscheduled policy. We will only ask for proof of ownership at the time of filing a claim. Proof of ownership includes any financial records showing purchase of the item such as receipts, credit card statements, copies of manuals, photographs of the items taken before the date of loss, serial # of the item, and/or, original box or packaging of the item. |
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| Q: |
Are there any sub-limits on the CSI policy? |
| A: |
Yes. Bicycles, jewelry, art and musical instruments are limited to a maximum of $2,000,
unless endorsed onto the policy and supported with receipts or appraisal at the time of filing a claim. |
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| Q: |
If my child travels overseas during semester breaks
or between school years, is their property covered? |
| A: |
Yes. With CSI, travel anywhere in the world is covered 365 days of the year regardless of when, where, why or how you travel. |
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| Q: |
Is this policy Replacement Cost Coverage? |
| A: |
Yes. The policy will pay the current retail price to replace property. |
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| Q: |
Does this policy cover Bodily Injury or Property Damage Liability
for which the student is legally liable? |
| A: |
No. Dependent students are covered under a parent's homeowners policy for liability.
And, unlike coverage for damage to your property, we believe duplicate liability coverage could present
real problems because of homeowner policy provisions relating to other insurance and supplementary payments. So, CSI will not include liability on the Student Personal Property Protector Plus®.
Independent students should look into a homeowners/renters policy. |
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| Q: |
Will this policy pay if I have other insurance in place? |
| A: |
Yes. This student policy applies first regardless of other insurance. |
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| Q: |
How can I purchase a policy using a check or money order? |
| A: |
Click here to download our Order Form. |
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