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PERSONAL PROPERTY INSURANCE

INSURANCE OPTIONS FOR STUDENTS

Protecting your personal belongings while living in University of Chicago residence halls is an important consideration. While UChicago strives to provide a safe and secure living environment, the University 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 property or renters insurance to safeguard their belongings and provide financial peace of mind.

TERMS AND CONDITIONS OF RESIDENCY

H. RESPONSIBILITY FOR STUDENT PERSONAL PROPERTY
UChicago assumes no responsibility or liability for the personal property of the Student including items placed into storage. This includes, but is not limited to, damage or loss due to fire, theft, flooding, vandalism, abandonment, and the like. Students are encouraged to obtain property insurance where they wish to protect their property from loss or damage.

FAQs

Why Consider Insurance?

Unexpected events can and do happen in college residence halls. Insurance coverage can help protect your valuables, electronics, and personal items from loss or damage. Additionally, renters insurance often includes liability protection, which provides coverage if you are held responsible for accidental damage or injury to others in your residence hall.

Types of Coverage to Consider

When exploring insurance options, here are the types of coverage you may want to evaluate:

  1. Personal Property Insurance: Protects your belongings (e.g., electronics, clothing, furniture, bicycles) against theft, loss, or damage.
  2. Personal Liability Insurance: Covers costs if you are found liable for damages to property or injuries to others. For example, if water damage or fire caused by you impacts neighboring spaces, liability insurance can help cover repair costs.
Insurance Providers

Some options for student renters insurance include:

  • GradGuard College Renters Insurance: Designed specifically for college students, GradGuard offers affordable coverage options and features tailored to student life. For more information, call GradGuard at 877-794-6603 or visit their website.
  • URMIA Student Property Insurance: Provides comprehensive protection for student belongings with customizable coverage options.

Families can also explore adding students’ property coverage to an existing homeowners or renters insurance policy.

What Does This Insurance Typically Cover?

This type of insurance generally includes:

  • Coverage for 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 caused by the insured.
  • Financial relief for unexpected incidents, such as fire, water damage, or theft.
Who Should I Contact for Questions?

If you have questions about insurance options or coverage details, there are several resources available to you:

  • Your Insurance Provider: For specific inquiries about an existing policy, contact your insurance provider directly.
  • GradGuard: For questions about their student renters insurance, call GradGuard at 877-794-6603 or visit their website.
  • URMIA Student Property Insurance: Learn more about coverage options tailored to students at URMIA Student Property Insurance.
  • The Office of the Bursar: Additional resources and guidance can be found on the Bursar’s website.
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