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 Allianz 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.
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 has registered to 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 PlusŪ 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 system 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. 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.
You will be given an opportunity to "schedule" jewelry, art and musical instruments that
are beyond the $2000 limit when you order or renew your policy online. Coverage over $2,000 is not automatic and requires prior approval from CSI.
Insurance coverage of bicycles is limited to a maximum of $2,000. |
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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 actual cost to repair or replace property with like kind and quality 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 PlusŪ.
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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| Q: |
Is this policy coverage for 12 calendar months or just while school is in session? |
| A: |
This policy is in force 365 days of the year, even during semester and holiday breaks. |
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| Q: |
Do you offer policies shorter than 1 year? |
| A: |
No, but you may request a cancellation for a partial refund if you decide part way
through the policy term that you no longer wish to have coverage. |
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| Q: |
How can I cancel my policy? |
| A: |
If you return the policy within the first 30 days and request Cancellation as of inception,
we will return your full premium. Otherwise return premium will be calculated on a pro-rata basis subject to a minimum charge of $45.
Policy cancellations should be in writing and sent by email or written letter to CSI. |
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| Q: |
If I renew my policy early, will I have overlapping policy coverage? |
| A: |
No, if you renew your policy via the Renew Policy link, your "renewed"
policy will automatically start when your "old" policy ends if you renew it before it expires.
You may renew your policy up to 60 days before it is set to expire. |
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| Q: |
If the old pipes of a school's residence hall
burst and are responsible for flooding or significant water damage,
will CSI's policy coverage pay for the damage to my belongings? |
| A: |
Yes, this policy will insure your damaged belongings as a result of negligence by the school or another student. |
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| Q: |
Will the policy automatically renew? |
| A: |
No, we will send a renewal notice approximately 30 days before your policy expires.
We will only renew the policy upon receipt of payment. |
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| Q: |
What do you mean by "loss"? |
| A: |
Any incident in which an insurable item or items are damaged or stolen. |
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| Q: |
Do you offer "family" coverage plans? |
| A: |
No, each student needs their own individual policy. |
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| Q: |
Does this policy insure my valuables in case of
an earthquake, hurricane, or other natural disaster? |
| A: |
Yes. This policy will protect your valuables from damage from earthquakes,
hurricanes, flooding, and other natural disasters. |
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| Q: |
Does this policy include tracking software for my computer? |
| A: |
No, please see our page on Computer Security. If you do have active tracking on your computer, we will waive the claim deductible on computer theft claims. |
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| Q: |
Does this provide coverage for accidental damage to laptops, cameras, cellphones, etc? |
| A: |
Yes, all of your possessions will be insured against accidental damage. If the
item is repairable, an estimate of the repair will be needed. |
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| Q: |
We just purchased a new computer, cellphone, etc.
Can we get these insured now, even before school starts? |
| A: |
Yes. When you purchase your policy online, you may select an effective date between the date of purchase and 60 days into the future. Your valuables will be insured even if school has not yet begun. |
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| Q: |
I don't need my policy to start until school begins.
Can I set a start date sometime in the future? |
| A: |
Yes. You can purchase a policy now and set its start effective up to 60 days in the future. |
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| Q: |
Can I receive my purchased policy online? |
| A: |
Yes. Most policies (unless you have "scheduled" items) are automatically approved
and you may download or print your policy, including its declarations page, after purchasing. |
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| Q: |
Who underwrites CSI's student insurance policies? |
| A: |
CSI's student insurance program is underwritten by Allianz Global Corporate & Specialty (AGCS),
which is part of one of the world's largest property and casualty insurer - Allianz SE.
This company is A+ rated from A.M. Best - among the highest ratings an insurer can earn for financial stability.
For more information, please visit www.agcs.allianz.com. |
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| Q: |
What is included in CSI's Property Marking Kit? |
| A: |
CSI Property Marking kits allow you to mark your valuables both visibly and invisibly. Please go here for a full description of what what is included. Property Marking Kits may be added to your order when purchasing your policy, or by contacting CSI. |
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| Q: |
Where can I download a property inventory form? |
| A: |
It is wise to keep an inventory list with this information for your records and it will speed the claim process if you do have a loss. You can download our property inventory form here. |
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| Q: |
Does this policy provide coverage for tablet devices such as the Apple iPad, Motorola Xoom, Samsung Galaxy, and Amazon Kindle? |
| A: |
Yes. All of your personal computing devices will be covered by this policy. |
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