Personal Property Insurance

If you're wondering whether to invest in additional property insurance for your belongings, please consider the following:

NC State University does not endorse any individual insurance program, but encourages parents and students to participate in a property protection program.
Section XIV 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 XII Letter A Liability of the Wolf Village Agreement states: "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."
Not all homeowner's policies cover all items students bring to school. Most will provide some coverage, but have limitations. Check with your insurance agent to determine what is/is not covered under your policy, and what the deductibles are for property away from your principal residence.