National Student Services, Inc. College Student Property Insurance

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.


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.


Property We Will Not Cover

This policy does not cover your automobile, motorcycle, boat, motor, aircraft or aircraft parts or any type of motorized land vehicle or other conveyances or their accessories (including car stereos, GPS navigation devices, keyless entry), money in currency or coin, evidences of debt, letters of credit, passport documents, notes, securities, transportation tickets or any other tickets, pharmaceuticals, prescription or over- thecounter, artwork, professional or amateur, antiques or collectables, animals, firearms, firearm accessories or ammunition, salesman samples, contact lenses, keys, artificial teeth or limbs, or merchandise for sale, software, music or audio files, ring tones, contact lists, computer data, pictures forms of identification, including student ID’s and driver’s licenses.