National Student Services, Inc. College Student Property Insurance

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Did you know?

Renter Insurance Discounts for College StudentsWhether you’re living on campus or studying abroad, NSSI has you covered! From spilling coffee all over your laptop to dropping your smart phone in the parking lot, you’re covered wherever you go.

Mobile Device Insurance for Students Did you know that NSSI covers more than just electronics? We cover everything from clothes to textbooks, even jewelry. So whether you accidentally flushed your great- grandmother’s ring or your roommate ran over that expensive business textbook, we’ve got you covered.

Dorm Room Insurance | Personal Property InsuranceDo accidents seem to follow you wherever you go? Don’t worry, we can help! At NSSI we offer unlimited claims on damages to your personal property. Whether it’s a shattered laptop or a flattened smartphone, we’ve got you covered.

Laptop Macbook chromebook, ipad accidental damage coverage protector casesGot a dog that lives to destroy furniture? With coverage from NSSI, you can protect your personal property and enjoy your furry friends too. Our plans includes coverage for accidental pet damage.

Insurance Plans

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Property and Losses Covered

NSSI Property and Losses Covered

Student Personal Property Insurance: Avoid the Headache of Property Loss

College students have a lot of possessions. Between clothing, furniture, school supplies and electronics it can feel as if they’re bringing their entire lives with them. Have you thought about what you would happen if the dorm caught on fire? Or if your student got their book bag stolen with their expensive laptop and smartphone inside? Do you want to be responsible for the cost of replacing all those items?

A student property insurance policy from NSSI comes with a small price and a huge benefit. Take a look below to see all the property covered in our plans and to get your quote today!

Property Covered

coats, shoes, jeans, sweaters, shirts, purses, etc.
chairs, tables, sofas, beds, etc.
ItemsSports equipment:
golf clubs, skis, skateboards, etc.
sheets, towels, etc.
school supplies, calculators, art supplies, etc.
DVD/Blu-ray players, TVs, refrigerators, microwaves, etc.
ItemsMusical instruments:
guitars, amps, violins, etc.
ItemsPhotographic equipment:
cameras, lenses, etc.
desktops, laptops, tablets, netbooks, software*, etc.
rings, watches, etc.
ItemsElectronic devices:
smartphones, iPhones, MP3 players, game systems, etc.

Losses Covered

Accidental DamageAccidental Damage
Cracked ScreenCracked Screen
Fire & FloodFire & Flood
Natural DisastersNatural Disasters
Liquid Submersion & SpillsSpills & Liquid Submersion
Theft & VandalismTheft & Vandalism
Power Surge by LightningPower Surge by Lightning


• All Natural Disasters including earthquakes, hurricanes and tornadoes
• Accidental damage:** (i.e. liquid spills and cracked screens to electronics)

*Limited Coverage applies to certain items and locations. See the Special Provisions below.

30 day waiting period required on accidental damage claims (including spills, liquid submersion and cracked screens) for new enrollees.


Special Provisions

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.

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 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.


Coverage Limitations

(1) Coverage for jewelry, watches, rings, and other items consisting of gold, silver, or platinum or furs is limited $1,000.00 for any one Loss.
(2) Coverage for bicycles is limited to $1,000.00.
(3) Property in a personally owned automobile is covered, provided that the vehicle was locked and windows are fully closed at the time of theft and there was visible evidence of forced entry into the vehicle.