Courtesy of iii.org
With theft accounting for nearly 50 percent of all campus crimes, it’s important for college students and their parents to take steps to prevent theft, follow security measures — and review their insurance.
It’s best to consult with an insurance professional to learn more about your family’s coverage and where you may need additional coverage, but here are some tips:
- Students who live in dorms are covered under their parents Homeowner’s insurance policy – That is, their property is protected by “baseless”. However, some homeowner’s policies may limit this coverage, so make sure you understand your policy.
- Students who live off campus are possible no covered by their parents’ homeowner’s policy – Your insurance professional can tell you if your landlord’s or renter’s policy covers off-campus accommodation. If not, to protect student property, those living off campus may need to purchase their own renters insurance.
- Computers and cell phones can be independently insured – If you are getting these items new, at the time of purchase you may be provided with insurance or other protection against theft or loss. Also, check the credit card used for the purchase, to see what protections may be in place.
- Consider an independent policy designed for students who live far away from college – This can be a financial way to provide additional insurance against various problems.
- If your college student is leaving the car at home, be sure to tell your insurance provider – Depending on how long they attend school, you may be eligible for a discount.
It is better to prevent loss than to deal with its consequences. To help prevent loss:
- Leave valuables at home, if possible – While it may be important to take a computer or gaming equipment to school, other expensive items—such as expensive jewelry, luxury watches or expensive electronics—should be left behind or stored in a nearby safety deposit box. These items may also have restrictions imposed by the landlord’s policy, so if they must be brought to school, consider purchasing them. special float or acceptance for the landlord’s policy to close.
- Register electronic devices and IDs – Permanently logging name and other information on computers, video recorders, smart phones and other electronic devices can help police track stolen property.
According to the National Center for Education Statistics, plagiarism accounts for more than 50 percent of all school crimes. In addition, carelessness can cause other types of damage. In order to avoid loss, students should:
- Lock the dorm room doors, and keep your keys with you at all times – Be aware that most dorm burglaries happen during the day, and even if you leave briefly, lock it up. Share the theft statistics with your roommates, and accept that they will do the same.
- Do not leave belongings on campus – Classrooms, the library, the dining hall or any other place are the first places where property theft happens, so keep book bags, backpacks and laptops safe at all times.
- Buy a laptop security cable and use it – A combination lock that needs to be replaced may be enough to deter a thief.
- Know the dangers of fire – Most school fires are related to cooking so be careful about the types of hot plates or microwaves you bring to school, and how you use them.