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.
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.
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.
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.
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 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.
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.
Yes. This policy will protect your valuables from damage from earthquakes,
hurricanes, flooding, and other natural disasters.
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.
Yes, all of your possessions will be insured against accidental damage. If the
item is repairable, an estimate of the repair will be needed.
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.
Yes. All of your personal computing devices will be covered by this policy.
The policies are only issued on an annual basis. The policy will be good until expiration as long as you were a student at time of purchase. You can also request cancellation of the policy if you wish upon graduation.
In the event of property theft or damage, file a claim on our homepage by
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.
Once all supporting documentation of your claim has been received, our claims process
can generate a settlement check within 30 days.
Yes. Most policies (unless you have "scheduled" items) are automatically available
and you may download or print your policy, including its declarations page, after purchasing.
No, we will endeavor to send a renewal notice before your policy expires.
We will only renew the policy upon receipt of payment.
As with all insurance contracts, you may cancel by sending written notice and returning your policy. Very few policies are cancelled or non-renewed by the company. The few that are usually result from an unusual frequency of claims.
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 cancellation requests should be in writing and sent by email or written letter to us.
Gallagher's student property 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