Property Insurance
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If you're wondering whether to invest in additional property insurance for your student's belongings, please consider the following:
- NC State University does not endorse any individual insurance program,
but does encourage parents and students to make sure they have the protection
they desire for student property.
- Section XIII Liability of the Residence Hall Agreement states: “The
University shall assume no responsibility for the loss, damage or theft of
personal property belonging to, or in the custody of, the student for any
cause whatsoever, whether such losses occur in student rooms, public areas
or elsewhere in housing. Students are encouraged to carry personal property
insurance.”
- Section IX Letter A Liability of the Wolf Village Agreement: Although security
precautions are taken, the University does not assume any legal obligation
to pay for, prevent or insure against injury to person(s) (including death),
or loss or damage to items of personal property by fire, theft or other casualty
which occurs in Wolf Village or on its grounds prior to, during, or subsequent
to the period of this Agreement. Students are encouraged to carry appropriate
insurance to cover such losses.
- You may have homeowners insurance; however, not all homeowner’s policies cover everything students bring to school. Most will provide some coverage, but have limitations on certain property. You should check with your insurance agent to determine what is and what is not covered under your policy and what the deductibles are for property away from your principal residence.
Following are URLs for two nation-wide companies that provide student personal property insurance plans for your review should you wish to compare costs and coverage. NC State does not recommend any particular company; the following is provided solely as a starting point if you want to look into personal property insurance.