You may download and read the policy here.
Homeowner Policies do not cover breakage and liquid spills and other accidental damages, which are common causes of loss. Also the Homeowner policy deductibles are generally high enough that there is little to no loss recovery for smartphones, tablets and many laptops. For a detailed comparison, please go here.
The Gallagher / 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 Gallagher policy is designed for College Student property. For a detailed comparison, please go here.
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.
If someone stole or damaged my child's property would the Student Personal Property Protector Plus® cover that loss?
Yes... unless the theft was from a vehicle that was not locked and clearly 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.
No. Items misplaced or lost, not recalling where or when things happened are not covered. Items stolen by theft, burglary or robbery are covered. A police report must be filed for these type losses.
Will Gallagher's policy cover property that my son or daughter borrows from the school if that property happens to be stolen or damaged?
Yes. It covers property in the care, custody or control of the insured. Your homeowners policy may not provide this coverage.
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.
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. Please note that bicycle coverage is not available to University of Southern California.
If my child travels overseas during semester breaks or between school years, is their property covered?
Yes. With Gallagher, travel anywhere in the world is covered 365 days of the year regardless of when, where, why or how you travel.
Yes. The policy will pay the actual cost to repair or replace property with like kind and quality property.
Does this policy cover Bodily Injury or Property Damage Liability for which the student is legally liable?
The Student Personal Property Policy does not provide Liability Insurance. We offer a separate liability policy at a low cost. You will be asked during the policy order process if you want this coverage. A parent's Homeowners policy may also offer coverage depending on the student's status.
The Student Personal Property Plus policy was designed to protect your property and property entrusted to your care. The Liability policy is to protect you from claims made against you for bodily injury or property damage to other people or their property for which you are found liable. The property policy covers your property everywhere in the world. The Liability policy applies to claims made against you while a resident at the location shown on your policy as the residence location.
Yes. This student policy applies first regardless of other insurance.
The personal property policy is in force 365 days of the year, even during semester and holiday breaks. The liability policy is in force while the student resides in the residence premises shown on the policy.
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.
No, if you renew your policy via theRenew 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.
If the old pipes of a school's residence hall burst and are responsible for flooding or significant water damage, will this property policy coverage pay for the damage to my belongings?
Yes, this policy will insure your damaged belongings as a result of negligence by the school or another student.
Any incident in which an insurable item or items are damaged or stolen.
This Loss is a contractual dispute over the sale of property and not theft of property. It is a voluntary parting from the property. It is not a theft loss, therefore, it's not a covered Loss.
No, each student needs their own individual policy.
Does this policy insure my valuables in case of an earthquake, hurricane, or other natural disaster?
Yes. This policy will protect your valuables from damage from earthquakes, hurricanes, flooding, and other natural disasters.
Yes, all of your possessions will be insured against accidental damage. If the item is repairable, an estimate of the repair will be needed.
We just purchased a new computer, cellphone, etc. Can we get these insured now, even before school starts?
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, provided you have enrolled at the school.
Yes. You can purchase a policy now and set its start effective up to 60 days in the future.
Does this policy provide coverage for tablet devices such as the Apple iPad, Motorola Xoom, Samsung Galaxy, and Amazon Kindle?
Yes. All of your personal computing devices will be covered by this policy.
The policy will be good until expiration so long as you were a student at the time the policy took effect.
In the event of property theft or damage, file a claim on our homepage:Login Page
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.
If I have any questions about the insurance protection offered by this policy, how do I get answers?
All Liability claims should be reported immediately to Markel American Insurance Company, PO Box 906, Pewaukee, WI 53072-0906 or by calling (800) 236-2862. You should include your name, policy number, description of what happened, the name and contact information for the party claiming injury and the names and contact information for all witnesses.
You should also notify us at claims@CollegeStudentInsurance.com providing the same information.
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