<p>Several people on other threads are suggesting this insurance to cover laptops, musical instruments, cameras, etc. Has anyone had an experience in filing a claim with this company (or others?) Are they reputable?</p>
<p>It's interesting that they even cover spills on laptops!</p>
<p>CSI is backed by Fireman's Fund which is definitely a reputable insurance company. I've never actually made a claim, so I can't say much beyond that -- and I don't know what the competition is. I simply went with CSI because I was asking the same question as you... so I tend to look to see if there is a big name behind the policy and if so, feel that it should be o.k.</p>
<p>In a post last year, I mentioned making claim for S's bike. It took time to get police report, but the insurance paid replacement value. Definitely good company</p>
<p>Just beginning my research on which company to go with, but so far have noticed a difference in the fine print: one company will only cover losses from a parked car IF that car is locked & in a gated/attended parking lot. Other company covers if car is just locked. </p>
<p>Still searching for company that covers 'lost' losses! </p>
<p>As noted by others, the difference between my homeowner's insurance and these 'college rental insurance for personal property' policies is the deductible amount. And if you buy a rider which eliminates the deductible provision (similar to a jewelry rider) while the rates are similar, my insurance company said basically that only one loss is covered. Accidental damage IS covered.</p>