<p>Which is the best most comprehensive insurance for our stdent to have while away at college</p>
<p>The awesome parents of 2015 have been discussing this… consensus CSI or NSSI</p>
<p>we bought csi</p>
<p>another insurance to seriously consider (not to be morbid) is a term life insurance on the student…it wont cost that much…to cover the amount of any student loans that you are a cosigner on or will be a cosigner on…as in the event of a horrible tragedy…you the parent will still be responsible for that debt!!!</p>
<p>Another vote for CSI from a 2014 parent. My son’s 6-mo old MacBook Pro was ‘catastrophically damaged’ (destroyed) by liquid damage. Liquid damage is NOT covered by most manufacturer’s warranties, including AppleCare. We had to purchase a new computer. A CSI policy costs a lot less than a new computer. :)</p>
<p>After computer #1, we bought a CSI policy (thanks, P56!). It was a good move because someone stepped on the new 3-wk old computer #2 & cracked the screen, a $700+ repair. It was covered by our 3-wk old CSI policy. So was cellphone #3, which he dropped in a lake during the same week that computer #2 was damaged. Thank heavens for CSI! (Disclaimer: And no, I am not an employee of CSI, just a grateful parent). I’m hoping for a less expensive sophomore year. :D</p>
<p>Another 2014 parent here - we bought CSI assuming we would need it for PC/electonics damage as noted by 12rmh18, but we wound up using to cover stolen clothing. My DS had over $1,000 in designer clothing stolen from the laundry. CSI was prompt and efficient. </p>
<p>A suggestion for all parents -you need to show “receipts” of some kind for all claims - make all purchases with your credit or debit card! We saved the receipt for his laptop, but never thought about the clothes. Luckily, CSI was very accomodating for our clothing claim. They accepted credit card/debit card statements showing purchases from stores such as Macy’s, Nordstrom & Abercrombie that sell the designer brands.</p>
<p>CSI (or a similar company like NSSI) is the way to go - good coverage, reasonable cost, ultra low deductible and most importantly, no black marks for claims on your homeowner’s!</p>
<p>Thanks everyone for the speedy replies, what are the websites for the above companies, she starts in just over 2 weeks and just realized this was one thing I didnt do!</p>
<p><a href=“http://www.collegestudentinsurance.com/”>Filing a Claim;
<p>Be sure to check your own homeowener’s insurance- your child in the dorm may be covered.</p>
<p>ours would be covered under homeowners however, we have a fairly high deductible, computer replacement would be less than deductible on ours so essentially no coverage, homeowners doesnt cover spilling a drink on computer.</p>
<p>Wow. Nice discussion. The csi policy would have paid for itself several times over if we had it for our D this past year. She had a digital SLR, a computer and a good bike stolen in separate incidents. She’s in grad school now. Over the years as an undergrad and grad student she’s had several bikes stolen, computer breakage, computer theft, smart phone screen breakage and other things. </p>
<p>Homeowners policies can sometimes have riders, but the terms are often restrictive and you risk policy non-renewal for claims on top of that.</p>
<p>My regular insurance agent recommended I get the CSI policy primarily due to claims “counting” against the parent homeowner’s policy. The coverage for accidental damage and the ultra low deductible are great since such coverage may not be available as a rider from all homeowner’s insurers. </p>
<p>Many homeowner’s companies are skittish about renewals after two claims within a several year period. If you get “non-renewed” by a regular insurance company, you are likely to wind-up with a policy from a low quality company with many policy gaps for 2-3 times the price.</p>
<p>^^Amen! Better to get dropped by CSI or NSSI than your homeowner’s insurance. And after this past year, DS getting dropped by CSI is a distinct possibility. :)</p>
<p>how much is it?</p>
<p>With CSI, and I believe NSSI also, you have a choice of amounts and deductibles. For $5,000 of coverage and a $25 deductible the cost is about $130 for the year. Exact quotes can be found on the website noted above.</p>
<p>You can see the exact NSSI price for the range of coverage you are interested here:</p>
<p><a href=“https://my.nssi.com/application.aspx?ptid=5[/url]”>https://my.nssi.com/application.aspx?ptid=5</a></p>
<p>It seems that everyone is very happy with CSI and NSSI. I don’t think you can go wrong with either. I would not rely on my homeowners for all of the reasons those before me listed.</p>
<p>After paying for computer repair, two cameras, and a cell phone over the course of 4 years, CSI did in fact drop my daughter’s policy. But it more than paid for itself!</p>
<p>Also note that CSI covers student property during the summers and while the kid is studying abroad.</p>
<p>I just signed up for CSI this week. We went with the lowest possible coverage - $3,000, $25 deductible and the deductible is waived if you have computer tracking installed, which we do. When I looked into a rider with our homeowners policy, the deductible was $500. The cost of the insurance varies (I guess) with your college. There’s a drop down menu that asks for the state and then college. For us that was $92, including a $5 processing fee. Here’s a link that is clickable - [CSI</a> College Student Insurance - Instant Quote](<a href=“http://www.collegestudentinsurance.com/]CSI”>http://www.collegestudentinsurance.com/)</p>
<p>BTW, you parents of rising college freshman should really hop onto our thread! <a href=“http://talk.collegeconfidential.com/parents-forum/1171197-awesome-parents-college-class-2015-beyond.html[/url]”>http://talk.collegeconfidential.com/parents-forum/1171197-awesome-parents-college-class-2015-beyond.html</a></p>
<p>For us, the best way to go appears to add a rider on our homeowners policy. We can add specific coverage for our son’s new MacBook Pro (value = $2,000) for $30/year with no deductible. This covers accidental damage, theft, etc. Everything is his dorm will technically be covered by our regular policy, but we have a $1,000 deductible. With him having a laptop at college we thought a no-deductible policy would be a good way to go.</p>
<p>Here’s another factor to consider: When does a student stop being a member of your household, which is when your HO policy will no longer cover them? Don’t know the answer, but since our D is a 24 year old grad student now, she’s hitting an area of concern.</p>
<p>kathiep, can you please tell me what ‘computer tracking’ is? I haven’t heard of it before.</p>