<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>