National Student Services, Inc. College Student Property Insurance

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Did you know?

FBI statistics show that there were more than two million burglaries reported in 2011, making up approximately 25% of all property crimes.


Protect your personal property today. Get a quote and apply now!

Property crime is a serious problem for college campuses. There were about 14,000 burglaries on U.S. college campuses in 2014, according to the U.S. Department of Education’s Campus Safety and Security division. The same year there were 3,100 motor vehicle thefts, 1,300 robberies and 610 arson crimes on campus.


Protect your personal property today. Get a quote and apply now!

According to research conducted by Kensington, one laptop is stolen every 53 seconds. The same study also shows that 70 million smartphones are lost each year, with only 7 percent being recovered.


Protect your personal property today. Get a quote and apply now!

In 2010, of the 92,695 reported college and university campus crimes 97% of these were property crimes. Of property crimes, 86 percent were thefts, followed by burglaries at 12 percent.


Protect your personal property today. Get a quote and apply now!

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Property and Losses Covered

NSSI Property and Losses Covered

Student Personal Property Insurance: Avoid the Headache of Property Loss

As you prepare your student for high school graduation this Spring, you’re probably making a list of all the things to buy for college. Sure, you want to save money... but sometimes you have to spend a little to save a lot. That’s where NSSI comes in with student property insurance.

Now, just imagine if you had to replace all of those new college purchases out of your own pocket… not just the “Big Ticket Items” like Computers, Smartphones, Music Instruments, TVs and Gaming Systems. But all of the miscellaneous personal property you packed in those bags, boxes, and suitcases like cameras, Mp3 players, clothing, jewelry and classroom materials. It’s the little things that add up to the bulk of a loss. But don’t let them overwhelm you. Why not pay little now so you don’t have to pay a lot in the future?

NSSI covers most of the items a college student needs during the school year. Take a moment and think about the value of the items your student carries in their backpack alone – a laptop, iPad, cell phone, textbooks and more! The cost of these items adds up quickly for parents. And just think, can you afford to replace all these items if they get damaged or stolen? With NSSI, you don't have to worry! Residence hall advisers, faculty, and staff are eligible for coverage too! See below for a listing of the losses and items covered under our student property insurance policy.

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.
**Accidental Damage only available on Policy Option 1.

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

Know Your Stuff

Don’t Know How Much Personal Property Insurance You Need?

Here’s Help from the Insurance Information Institute!


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.