| Losses Covered | ||
| World Wide Coverage |  |
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| Theft | |
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| Fire | |
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| Earthquakes, Hurricanes & Tornadoes | |
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| Vandalism | |
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| Flood | |
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| Lightning Strikes | |
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| Accidental Damage (including liquid spills & drops) |
Optional | |
| Property Covered | |||||
| Clothing | Furniture | Sports Equipment | Linens | Textbooks | Electrical |
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Coats, shoes, jeans, sweaters, shirts, purses, etc. |
Chairs, tables, sofas, beds, etc. |
Golf Clubs, skis, skateboards, etc. |
Sheets, towels, etc. |
School supplies, calculators, art supplies, etc. |
DVD players, televisions, refrigerators, microwaves, etc. |
| Musical Instruments | Photographic Equipment | Computers | *Jewelry | *Bicycles | Electronic Devices |
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Guitars, Amps, violins, etc. |
Cameras, lenses, etc. |
Desktops, laptops, keyboards, mouses, printers, word processors, software*, etc. |
Rings, watches, etc. |
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Cell Phones, MP3 players, video game systems, etc. |
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* Limited Coverage applies to certain items and locations. See the Special Provisions column. |
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Property Not Covered
- 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 & forms of identification (including student ID’s, driver’s license, etc.)
- Firearms or ammunition.
- Pharmaceuticals - prescription or over-the-counter.
- Artwork - professional or amateur.
- Antiques and collectibles.
- Loss or Damage to stereo disks (including CDs, Video CDs, DVD, 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.
