<p>I seem to remember last year reading some posts about good insurance for students in dorms. Can anyone remind me of the information? Thanks!</p>
<p>There are two popular carriers. CSI and NSSI. Both have good reputations. Claims seem to be paid nicely by both companies without a lot of hassle.</p>
<p>Until you put in a couple of claims and they drop you. 
4boysmum-There is a current thread active in the parent cafe discussing dorm insurance. Just do a little search.</p>
<p>USAA and a few others also offer insurance policies. It was said that CSI allows you to continue the policy once the student graduates, for those interested.</p>
<p>Be sure to check whether your homeowners policy already covers your child’s dorm room. Ours did up to $30,000.</p>
<p>Homeowners’ covers, but most have a sizable deductible, which is often more than the cost of the CSI or NSSI insurance. Additionally, the dorm insurance covers accidental breakage.</p>
<p>^^^yes but then you would have to make a claim which you might not want to do if something that was under 1K was stolen like an iPad.</p>
<p>Claims can make HO premiums jump, even if deductible isn’t too high.</p>
<p>Why would a student bring so many expensive items that require insurance? If they lost their ipad, the insurance is not going to pay for intellectual properties. Have it stored in the cloud.</p>
<p>Storing things in a cloud won’t get back any lose, damaged or stolen items. Electronic items are expensive to repair and replace–smart phones, computers, laptops, cameras, musical instruments. Some choose to insure because repairs and/or replacement would strain the budget, others prefer to self insure.</p>
<p>We have CSI for our D to cover her Mac and Iphone (although it covers all possessions). We paid about $90 a year for $3000 of coverage and $25 deductible. Covers theft and damage. We haven’t had to make a claim in 3 years, but we’ve heard positive things from other parents who have had claims.</p>
<p>We have had NSSI for several years for both kids. DD had two claims during her undergrad years and never had a problem with renewal or rate changes. The deductibles are small so making a claim for single items like a lost or stolen necklace is worth it.</p>
<p>Another big difference between homeowners and NSSI is that damage is covered. If you kid drops the phone in the toilet, they pay. If the computer falls off the desk and the screen gets cracked, they pay. If the phone falls out of their pocket at a party, they pay. Loss, damage and theft is all covered and the claims don’t affect your homeowners policy rates and count as a claim against your policy.</p>