Property Insurance
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 XII 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.