<p>Glad you found one. We don’t have a bike issue, so for what we needed we chose NSSI. Looks like they are both options when one wants to cover a students “stuff.”</p>
<p>This thread has been helpful. I’ll check into CSI or maybe an endorsement on my homeowers. My son just went back to Rider (NJ) from Easter break and his room was burgled. They got his 32" flat panel TV that he just got for XMAS, his playstation 3 and alot of his games. Our homeowners has a high deductible. A week has gone by and the school sent me one email saying they’re looking into it. They have not responded to my subsequent emails. It looks like my son was targeted. What concerns me is he knows his room was locked, he was the last one out. His roommate got back first and said it was gone when he got back. I’m assuming there is nothing the school will do, but I wish we had taken more precautions and locked up the gear and wrote his name all over it. We were under the impression that a private school with seemingly good security would be safe enough if the door was locked. But apparently not. I’m really disappointed that this happened and wish the school had advised parents during all the orientations that precautions should be made (they’ve advised of us everything else). And I’m not happy knowing that someone can get into his room whenever they want. I’m very disappointed that this happened - but I guess we were too trusting and naive that his room was secure when locked.</p>
<p>boy, life was sure a lot easier in 1985 when I arrived at my dorm with a red milk crate full of books, clothes, a few pictures, and phone that plugged into the wall. :)</p>
<p>oh wait…I forgot about my “hot pot” and Ramen noodles!</p>
<p>I wouldn’t do dorm insurance…</p>
<p>The again, I wouldn’t own expensive electronic equipment in my dorm room either. It’s not theft that I would worry about, it’s damage during transit and normal dorm life activities.</p>
<p>Yes, it is true that multiple staff members can key into students rooms if needed. Resident advisors, maintenance people, police/security are some examples. But that is typical in rental situations. Usually the apartment manager has a key to your apartment.</p>
<p>Another positive note for CSI, it covers students belongings in transit and even while overseas - my son did an internship overseas last summer and his CSI policy covered his stuff while traveling and during his ten week internship in another country.</p>
<p>We also had a positive experience with NCCI. Paid for broken laptop screen. No hassle. It is always worth keeping a claim off your homeowner’s policy because that affects your ability to get insurance for at least 3 years.</p>
<p>D1 went on a medical mission trip to rural Jamaica last summer and her purse ended up underwater. Long story. But NSSI reimbursed for the damaged cellphone and camera very easily. We paid under $80 I believe for a year, and we have already made that back. I added their policy for high school students for D2 after that. She has a laptop provided by her high school, but we have to pay them for an insurance policy or provide one ourselves. For $20 less than what the school offered, her laptop, camera, cellphone, and any electronics like an ipod etc are covered. Peace of mind. If I had a student with a flat screen, a PS2 or other game system, a laptop etc I would get the student policy. </p>
<p>We keep this off our homeowners in Florida for a variety of reasons.</p>
<p>And I also meant NSSI. There was a link on the college website recommending them. </p>
<p>Main thing is to avoid having this on your homeowners’ policy because claims against that will haunt you.</p>
<p>We have kids’ and our expensive stuff (laptops, cameras, musical instruments) insured as “personal items” attached to the home insurance policy (State Farm).
We have a high deductible on home insurance, but no deductibles on personal items (and apparently no penalty in rates if we make claims). So far it worked well (one laptop replaced after it fell off a bunk-bed, another fixed after having water spilled on it…)</p>
<p>This thread has been enormously helpful. I was going to do something with my homeowner’s insurance policy but after looking at the websites for both NSSI and CSI I can see that going with one of these carriers is preferable. For those parents who are thinking about dorm insurance read the thread and check out those two companies here.
[Affordable</a> Laptop Insurance, College Student Insurance, Personal Property, & Laptop Theft | National Student Sevices](<a href=“http://www.nssi.com/]Affordable”>http://www.nssi.com/)</p>
<p>[CSI</a> College Student Insurance - Instant Quote](<a href=“http://www.collegestudentinsurance.com%5DCSI”>http://www.collegestudentinsurance.com)</p>
<p>This is very helpful – my D is going to university in Canada, and we were looking for coverage for her valuables. Turns out our homeowners will not cover her in Canada, and neither will the Allstate Personal Articles policy. I’ve already called both NSSI and CSI and they will cover her there. Now just have to pick which one to go with. Thanks CC!</p>
<p>Now that S1 has just graduated, he’s moved up to SF to start his new job but is living in sublets, still settling on where to live. CSI was great for him as an UG, but now what? Anyone have advice on how he can insure his laptop, et al inexpensively? Thanks.</p>