NSSI covers almost everything your college student takes to school. Think about the value of the items your student carries in their backpack alone – a laptop, iPod, cell phone, textbooks and more can easily add up to a few thousand dollars. Could you afford to replace all of them if their backpack was stolen? With NSSI you wouldn’t have to. See below for a listing of the losses and items covered under our student property insurance policy.
*Limited Coverage applies to certain items and locations. See the Special Provisions below.
**Accidental Damage only available on Policy Option 1.
Automobiles, motorcycles, boats, motors, aircraft or aircraft parts or any other type of motorized land vehicles or other conveyances or their accessories (including car stereos, GPS devices, etc.); transportation tickets or other tickets; salesmen’s samples; merchandise for sale or exhibit; money in currency or coin, evidences of debt, letters of credit, passport documents, notes, securities; animals; contact lenses; artificial teeth or limbs; keys and forms of identification (including student ID’s, driver’s license, etc.); firearms or ammunition; pharmaceuticals - prescription or over-the-counter medications; artwork - professional or amateur; antiques and collectibles.
Loss or Damage to stereo disks (including CDs, BluRay discs, DVDs, MP3 and Video Games), records, software, albums, cassette tapes (including video tapes) is limited to $1,000 for any one loss. Coverage for jewelry, watches, rings and other items consisting of gold, silver or platinum or furs is limited to 20% of the policy amount (i.e. $2,000 policy allows $400 total jewelry coverage) for any one loss. Coverage for bicycles is limited to $500. Insured property in a personally-owned automobile is covered, provided that the vehicle was locked at the time of theft and there was visible signs of forced entry into the vehicle.