Homeowner Policies do not cover breakage and liquid spills and other accidental damages, which are common causes of loss. Also the Homeowner policy deductibles are generally high enough that there is little to no loss recovery for smartphones, tablets and many laptops. For a detailed comparison, please go here.

The Gallagher / Allianz policy applies first regardless of other insurance. It also covers things a homeowner's policy does not and affords greater recovery using far lower deductibles than a standard Homeowners policy. The homeowner's policy was designed for your home. The Gallagher policy is designed for College Student property. For a detailed comparison, please go here.

Yes. We cover student property anywhere in the world as long as your child has registered to become a part-time or full-time student.

Yes... unless the theft was from a vehicle that was not locked and clearly forcefully entered. For theft claims, be sure to report the incident to a local Police Department and obtain a copy of the police report. For damage claims, please obtain a repair estimate that describes the extent of damage.

No. Items misplaced or lost, not recalling where or when things happened are not covered. Items stolen by theft, burglary or robbery are covered. A police report must be filed for these type losses.

Yes. It covers property in the care, custody or control of the insured. Your homeowners policy may not provide this coverage.

No, this is an unscheduled policy. We will only ask for proof of ownership at the time of filing a claim. Proof of ownership includes any financial records showing purchase of the item such as receipts, credit card statements, copies of manuals, photographs of the items taken before the date of loss, serial # of the item, and/or, original box or packaging of the item.

Yes. Jewelry, art and musical instruments are limited to a maximum of $2,000, unless endorsed onto the policy and supported with receipts or appraisal at the time of filing a claim. You will be given an opportunity to "schedule" jewelry, art and musical instruments that are beyond the $2000 limit when you order or renew your policy online. Coverage over $2,000 is not automatic and requires prior approval from CSI.
Insurance coverage of bicycles is limited to a maximum of $2,000. Please note that bicycle coverage is not available to University of Southern California.

Yes. With Gallagher, travel anywhere in the world is covered 365 days of the year regardless of when, where, why or how you travel.

Yes. The policy will pay the actual cost to repair or replace property with like kind and quality property.

The Student Personal Property Policy does not provide Liability Insurance. We offer a separate liability policy at a low cost. You will be asked during the policy order process if you want this coverage. A parent's Homeowners policy may also offer coverage depending on the student's status.

The Student Personal Property Plus policy was designed to protect your property and property entrusted to your care. The Liability policy is to protect you from claims made against you for bodily injury or property damage to other people or their property for which you are found liable. The property policy covers your property everywhere in the world. The Liability policy applies to claims made against you while a resident at the location shown on your policy as the residence location.

Yes. This student policy applies first regardless of other insurance.

The personal property policy is in force 365 days of the year, even during semester and holiday breaks. The liability policy is in force while the student resides in the residence premises shown on the policy.

No, but you may request a cancellation for a partial refund if you decide part way through the policy term that you no longer wish to have coverage.

No, if you renew your policy via the

Renew Policy Link


your "renewed" policy will automatically start when your "old" policy ends if you renew it before it expires. You may renew your policy up to 60 days before it is set to expire.

Any incident in which an insurable item or items are damaged or stolen.

This Loss is a contractual dispute over the sale of property and not theft of property. It is a voluntary parting from the property. It is not a theft loss, therefore, it's not a covered Loss.

No, each student needs their own individual policy.

Yes. This policy will protect your valuables from damage from earthquakes, hurricanes, flooding, and other natural disasters.

No, please see our page on Computer Security. If you do have active tracking on your computer, we will waive the claim deductible on computer theft claims.

Yes, all of your possessions will be insured against accidental damage. If the item is repairable, an estimate of the repair will be needed.

Yes. When you purchase your policy online, you may select an effective date between the date of purchase and 60 days into the future. Your valuables will be insured even if school has not yet begun, provided you have enrolled at the school.

Yes. You can purchase a policy now and set its start effective up to 60 days in the future.

The policies are only issued on an annual basis. The policy will be good until expiration as long as you were a student at time of purchase. You can also request cancellation of the policy if you wish upon graduation.

In the event of property theft or damage, file a claim on our homepage:

Login Page

Find the link to File Your Claim and log in using your policy number. Answer all of the empty fields in the online claim form and submit your claim. This will open a claim directly in our system and you will receive a confirmation email that will include detailed instructions on how to complete your claim for settlement.

Once all supporting documentation of your claim has been received, our claims process can generate a settlement check within 30 days.
Yes. Most policies (unless you have "scheduled" items) are automatically available and you may download or print your policy, including its declarations page, after purchasing.
No, we will endeavor to send a renewal notice before your policy expires. We will only renew the policy upon receipt of payment.
As with all insurance contracts, you may cancel by sending written notice and returning your policy. Very few policies are cancelled or non-renewed by the company. The few that are usually result from an unusual frequency of claims.
You may cancel your policy by  logging in to Policy Center and Choose Cancel your Policy. Cancellation requests can also be emailed to info@collegestudentinsurance.com.
Gallagher's student property insurance program is underwritten by Allianz Global Corporate & Specialty (AGCS), which is part of one of the world's largest property and casualty insurer - Allianz SE. This company is A+ rated from A.M. Best - among the highest ratings an insurer can earn for financial stability. For more information, please visit www.agcs.allianz.com.
Independent students, International students, students not covered under a parent's Homeowner Policy or students required by a property manager to show separate insurance all might need Liability Insurance. US students who are covered under a parent's homeowner's policy usually do not additional liability coverage, although we still recommend that they obtain our separate student personal property coverage.
You may order liability coverage at the same time you order your property coverage, if you know the physical address of your residence while attending school. Otherwise, you can come back to this website later and add it to your student property policy by clicking Customer Login in the menu above when you know the physical address of your residence.
The Student Personal Property Plus policy was designed to protect your property and property entrusted to your care. The Liability policy is to protect you from claims made against you for bodily injury or property damage to other people or their property for which you are found liable. While the property policy covers your property everywhere in the world, the Liability policy applies to claims made against you while a resident at the location shown on your policy as the residence location.
If Liability coverage is purchased, the policy covers damages for bodily injury or property damage for a covered occurrence for which an insured becomes liable.
An insured is the person named on the declarations page and that person's family members. Family members are persons related to the insured by blood, marriage or adoption who also reside at your household. If you would like to include room mates that do not fit the previous description to your policy, please contact us after ordering with your policy number and their names, mailing address, phone number, birth dates, and email addresses. Up to four additional insured may be included with your policy.
Our liability policies provide protection for your landlord against certain losses such as fire and smoke damage caused by your negligence. However, the policy cannot be modified to specifically show your landlord as an additional insured or interested party. However, we can issue an evidence of insurance letter with your landlord as an Interested Party, so they will be notified if your coverage is terminated. Contact us if you require such evidence. Please include your policy number and their name, mailing address, phone number, and email address.
You can contact our office at 888-411-4911 for assistance with any questions regarding the insurance protection afforded by this policy. You can also email your questions to info@CollegeStudentInsurance.com.
All Personal Property claims should be filed on line at www.CollegeStudentInsurance.com.
All Liability claims should be reported immediately to Markel American Insurance Company, PO Box 906, Pewaukee, WI 53072-0906 or by calling (800) 236-2862. You should include your name, policy number, description of what happened, the name and contact information for the party claiming injury and the names and contact information for all witnesses.
You should also notify us at claims@CollegeStudentInsurance.com providing the same information.
Gallagher's student liability insurance program is underwrittenby Markel American Insurance Company, Inc, a Fortune 1000 company. This company is rated "A Excellent" from A.M. Best - among the highest ratings an insurer can earn for financial stability. For more information, please visit www.MarkelCorp.com.
You may cancel your policy by logging in to Policy Center and Choose Cancel your Policy. Cancellation requests can also be emailed to info@collegestudentinsurance.com.