<p>Sorry MD mom, would have been great if her stuff was there being sold.</p>
<p>Thanks jgotteach for the follow up and I agree accidental damage is good to have.</p>
<p>I checked with our State farm policy and they said since the college is in another state, that coverage of my DS belongings would require another policy and they do not cover ipads so no reason to work with State farm.</p>
<p>I printed the FAQs about submitting a claim with CSI and you have to produce receipts or photos of the covered objects but they will not accept photos for electronics. Currently, hunting around to see what receipts we have since no point in covering something I can’t provide proof we paid for.</p>
<p>They do replace the items with the current comparable product now on the market. So while DS laptop is 4 years old, we did buy it for $1600 and a new MAC laptop loaded as he had it would be about that as well.</p>
<p>Credit card receipts should work for those electronics, Lakemom. You should have access to those.</p>
<p>We are updating the police report, and our insurance company may or may not require the police report. They ask for the number of the police precinct and the case number. Our insurance caters to military people, so we probably do no have the restrictions of some other companies. I wrote out the forms today and will send them off tomorrow. It really added up.</p>
<p>I was also wondering if it needs to be a real police report or could campus security do and if campus security actually makes out a report. If a lap top is stolen from the library, I can’t see a student calling the police to come.</p>
<p>Campus security should be enough for a report for insurance purposes. If not, yes, the police will come or often you can go to the police station and file the report there too.</p>
<p>Steve- they bought the common furniture together, so she owns 1/4 of the couch, etc.<br>
An inventory is always a good idea with any insurance, yeah we’ll get around to that :)</p>
<p>And I neglected to add my thoughts for MD Mom and D. What a terrible experience to have.</p>
<p>I would say that the girls should decide who “owns” what and make a list then. They should ALL have renter’s insurance to cover their things. If there is a fire in the building your DD might get 1/4 of the replacement cost for the couch and that’s it. She will be find but what about the rest of them? Renter’s polices are cheep–$10-15/month.</p>
<p>Has anyone’s child gotten a liability policy jointly with apartment-mates? We have an NSSI plan that covers his belongings, but I’m trying to figure out what to do about liability.</p>
<p>My daughter is graduating in a couple of weeks so I believe her CSI coverage will expire. She will be renting an apartment. Any suggestions on rental insurance for a non-student?</p>
<p>Does she have a car? Adding renter’s insurance to my policy actually decreased my total premiums (which is why I’m carrying it as long as my insurance will let me even though I’m a homeowner now…).</p>
<p>We got several quotes for post grad renters insurance from our agent. The cheapest option was going with the company that she has car insurance with.</p>
<p>HuntMom, we use CSI when the kids are in college, then get them a policy with Worth Ave Group before they graduate. They cover college students and then up to 3 years after graduation, but only if they’ve been a customer while in college. For one of the kids, I signed him up with Worth a few days before graduation. They only cover electronics, but my kids have alot, and that’s the most expensive part of what they own.</p>
<p>Haven’t had to file a claim yet with Worth, but we have with CSI, and it went smoothly.</p>
<p>Bumping this up because I looked into it a few days ago and it seems like a great deal. I am concerned, with respect to the low deductible, if using the insurance for small claims will cause unintended problems. It seems that insurance companies have been punishing customers for filing small claims and multiple claims. Your insurer may let it slide but if you move to a new area and have to use a new company your claim record will follow you via the CLUE database. Depending on your claim history you may be denied or be put in a high risk pool. </p>
<p>Have parents been putting the insurance in their names or in the name of the child?</p>
<p>I think that the insurance needs to be in the name of the student or renter actually in the apartment. I don’t know how/if claims would impact either the young adult or the family going forward. Some of the insurances discussed upthread are specifically marketed to college students and recent grads, so I doubt it could be in parents’ name. </p>
<p>Right now, our grad school daughter in an apt has both post-college student insurance for her stuff (with a low deductible) and a liability policy with a major insurer for her apartment. The overlap was not by design, but just a question of timing. She remains unsure if her apt. mate has coverage, but we insisted that she had some as we are guarantors for the apt. Her pockets aren’t deep at all, but we did not want to take any chances.</p>
<p>This discussion has been very helpful to me. I purchased renters insurance for my student - can’t believe how easy and affordable it was. </p>
<p>Why don’t universities just include this in the cost of housing - Housing at my son’s school is $13,000 - renters insurance was $130 and it was for the year and covers theft of belongings that occur in his car or on campus.</p>
<p>D just moved into an apartment last weekend, and she purchased renter’s insurance the day before. It’s dirt cheap, and she was able to bundle it with her car insurance. </p>
<p>Any idea if a student in a SRO (single room occupancy building – you rent a room and share baths and common areas) needs liability insurance? My S has the NSSI insurance which covers his belongings, but not liability. He’s moving into an apartment for the fall so we need to deal with liability too. My local insurance agent said he should get that jointly with his roommates, but since she’s not in the state the school is in, she can’t help us with that.</p>
<p>Renter’s insurance is pretty inexpensive. I think adding it to my AAA auto insurance added only about $100 after the discount for having multiple types of insurance with them.</p>