PROTECING YOUR BELONGINGS
Protecting your personal belongings while living on campus is an important, yet often overlooked consideration. While we strive to provide a safe and secure living environment, UChicago assumes no responsibility or liability for personal property that may be lost, damaged, or stolen. This includes incidents such as fire, theft, flooding, vandalism, or similar events. Students are strongly encouraged to consider personal property insurance to safeguard their belongings and provide financial peace of mind.
FAQs
What Does This Insurance Typically Cover?
Personal property insurance policies generally provide coverage for:
- Your personal belongings, such as electronics, laptops, books, clothing, and bicycles.
- Personal liability protection, often with limits starting at $100,000, to cover property damage or bodily injury
- Financial relief for unexpected incidents, such as fire, water damage, or theft.
Why Should I Obtain Insurance?
Just like everywhere else, unexpected events can and do happen on campus. Having personal property insurance can help protect your valuables, electronics, and personal items from loss or damage. Additionally, insurance policies often includes liability protection, which provides coverage if you are held responsible for accidental damage or injury to others.
What Types of Coverage Are There?
When exploring insurance options, here are the types of coverage you may want to evaluate:
- Personal Property Insurance: Protects your belongings (e.g., electronics, clothing, furniture, bicycles) against theft, loss, or damage.
- Personal Liability Insurance: Covers costs if you are found liable for damages to property or injuries to others. For example, if water damage or a fire caused by you impacts others, liability insurance can help cover repair costs.
Do You Have Any Insurance Recommendations?
For your convienence, UChicago has partnered with GradGuard, a third party insurance provider that offers policies specifically tailored for college students.
You may also wish to consider a policy through URMIA Student Property Insurance or options that may be available through your parent or guardian’s existing homeowners or renter’s insurance policies that may cover your personal belongings.
Where Can I Find More Information?
If you have questions about insurance options or coverage details, we recommend contacting your insurance provider directly. Housing & Residence Life is unable to answer questions about individual policies. More information about various types of insurance policies can also be found here.