Frequently Asked Questions

You may download and read the policy here.

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 URMIA Student Property policy administered by Gallagher 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 URMIA 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 for any single item worth over $2,000 is not automatic and requires approval from Gallagher, the program administrator. Contact Gallagher at 833-529-0024 for approval.
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, the URMIA Student Property policy offers worldwide coverage. This means the insured student’s property is covered anywhere in the world while in the student’s care, custody and control.

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

Liability coverage (third-party Bodily Injury and Property Damage) can be added on during the quote and purchase process by selecting “YES” to Liability coverage Liability coverage may be required to satisfy your lease or housing agreement. You may add your landlord/property manager as an Interested Party during the purchase process. For more information on Liability coverage, visit the ‘Liability’ tab at the top of the FAQ page.

The URMIA Student Property policy was designed to protect your property and property entrusted to your care. The Liability policy, which is offered as an add-on, 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. For more information on Liability coverage, visit the ‘Liability’ tab at the top of the FAQ page.

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

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.

Yes, this policy will insure your damaged belongings as a result of negligence by the school or another student.

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.

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.

Yes. All of your personal computing devices will be covered by this policy.

The policy will be good until expiration so long as you were a student at the time the policy took effect.