Questions?

Protect your belongings with Renters Insurance from GradGuard™

As a University of California-Irvine resident, you were asked to indicate your interest in renters insurance during your housing application process:
If you said, "Yes"

Hang tight. You will receive an email from GradGuard to enroll in renters insurance closer to your move-in date.

If you said, "No"

or you live off-campus, or want to start your policy sooner:

Enter your school residence Zip code to get started:

Learn More About GradGuard™ Renters Insurance

If your student's laptop or other valuables are stolen or damaged, University of California-Irvine is not responsible for replacing them. To help protect you and your family, all students who live in University Housing are asked to participate in the University of California-Irvine Renters Insurance Plan with GradGuard, a service of Next Generation Insurance Group.

With the GradGuard Renters Insurance plan, your student's property is covered on campus and around the world. For a deductible of only $100, you can be reimbursed to replace any item that is lost due to a covered event, like theft, fire or vandalism. This plan also protects your family financially for unintentional damage to university property or bodily injury to others for which your student is legally liable*.

Get your free quote in under a minute.

Flexible coverage starting at $11 per month

No credit score
required

Renters Insurance also protects you and your family financially for unintentional damage to university property or bodily injury to others for which you are legally liable*. Don’t let the unexpected interrupt your ability to be successful at school.

*Liability coverage applies to events that occur within the student's residence premises, as indicated on the student's issued policy.

 

Features of GradGuard Renters Insurance include:

Replacement Cost. This protection provides you with the cost of your belongings, so they can be replaced with an item of like kind and quality if they are damaged or lost due to a covered cause of loss.

Worldwide Coverage. Your belongings are protected even outside your home. If you are traveling or your car gets broken into, GradGuard Renters Insurance can help cover property losses outside your residence.

Electronics Coverage. Your electronics, including your TV, laptop, smartphone and tablet, are covered up to the policy limits.
 

Personal Liability Coverage. If you cause damage to property or injure others, you may be liable for the damages. Renters Insurance from GradGuard provides up to $300,000 in personal liability coverage. For example, if you unintentionally set off your building’s sprinkler system, liability protection can help pay for the resulting damages.

Alternative to Homeowners Insurance. Not all Homeowners Insurance policies are the same, however, limitations may apply when property is away from the principal residence. With Renters Insurance, personal belongings are covered whether you are on-campus, off-campus, or traveling anywhere in the world, up to the policy limits.

Frequently Asked Questions Exclusions

Renters Insurance

On college campuses – where laptops and other valuables are often left unattended in libraries, classrooms, dorm rooms, and study areas – theft can be a real concern. If your laptop or other valuables are stolen, YOU are responsible for replacing them, not the school.

That is why Renters Insurance may be a smart investment. Whether you live in a dorm or off-campus housing, all of your college and dorm room essentials are protected. This includes clothing, computers/laptops/tablets, smart phones, bikes, game consoles, text books, furniture, and more. With Renters Insurance, any personal items that are stolen or damaged can be replaced at full cost, subject to a $100 deductible. Renters Insurance also protects you financially for unintentional damage to your residence hall or bodily injury for which you are liable.

Features of Renters Insurance include:

Deductibles As Low As $100.00 compared to $500, $1000, or more for a typical homeowners insurance policy.

Alternative to Homeowners Insurance. Not all homeowners insurance policies are the same, but many have limitations on certain property that is away from the principal residence. With Renters Insurance for College Students your personal belongings are covered whether you are on-campus, off-campus, or traveling anywhere in the world.

Personal Liability Coverage. If you cause damage to property or injure others, you may be liable for the damages. Renters Insurance from Sallie Mae Insurance Services® provides up to $100,000 in personal liability coverage. For example, if you unintentionally set off your building's sprinkler system, liability protection can help pay for the resulting damages.

Replacement Cost. This protection provides you with the full cost of your stuff, so it can be replaced with an item of like kind and quality if it is damaged or lost due to a covered reason.

Comprehensive coverage for all of your college essentials:

Personal Property:

  • Personal computer
  • Wallet or purse and the cash in it*
  • Bicycle
  • Television or stereo system
  • Cell phone or PDA, like a Blackberry or iPhone
  • Books and school supplies
  • Clothes
  • Jewelry*
  • Musical instruments
  • And more...

Covered Perils:

  • Vandalism or malicious mischief
  • Theft
  • Fire & lightning
  • Windstorm & hail
  • Explosion
  • Vehicles
  • Smoke
  • Flood (where available)
  • Breakage of glass
  • Falling objects
  • And more...

This is a brief description of Renters Insurance for College Students coverage. Please call to speak with an agent for policy specific information, including limitations and exclusions. Coverages may vary by state.

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Exclusions

We will not pay for loss caused by or resulting from any of the following:

  • Wear and tear, marring or deterioration
  • Unexplained or mysterious disappearance
  • Illegal, unlawful or intentional acts
  • Earth Movement, including earthquake (Earthquake coverage is available for purchase in California)
  • Any loss resulting from mold or wet or dry rot.
  • Enforcement of any ordinance or law regulating the construction, repair, or demolition of a building or other structure
  • Power interruption, if the interruption takes place away from the residence premises.
  • Neglect to use all reasonable means to save and preserve covered property at and after the time of loss
  • Continuous or repeated seepage or leakage of water or steam over a period of time
  • War or any warlike operation
  • Nuclear hazard
  • Illegal, unlawful or intentional acts of an insured or a guest of an insured

*This is a summary of general exclusions. Please refer to the full policy for a complete list of all exclusions, coverages, and limitations.


Personal Liability General Exclusions

There is no coverage for bodily injury or property damage:

  • resulting from any act or omission that is intended by an insured to cause any harm
  • arising out of any insured's business pursuits
  • arising out of the rental or holding for rental of any residence premises owned by the policyholder
  • arising out of the rendering or failing to render professional services
  • arising out of any premises other than the residence premises
  • vehicles
  • arising out of mental or emotional injury, suffering, or distress that does not result from physical injury
  • arising out of physical abuse
  • arising out of the use, sale, manufacture, delivery, transfer, or possession by any person of a controlled substance
  • arising out of the insured's knowingly permitting or failing to take action to prevent the illegal consumption of alcoholic beverages by an underage person
  • arising out of any sexual act

*This is a summary of general exclusions. Please refer to the full policy for a complete list of all exclusions, coverages, and limitations.

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Frequently Asked Questions

What is protected with my coverage?

Personal Property:
  • Personal computer
  • Bicycle
  • Television or stereo system
  • Smartphone
  • Books and school supplies
  • Clothes
  • Jewelry*
  • Musical instruments
  • And more...
*A special limit applies to this item. Please call to speak with an agent for policy specific information.
Covered Perils:
  • Vandalism or malicious mischief
  • Theft
  • Fire & lightning
  • Windstorm & hail
  • Explosion
  • Smoke
  • Flood (where available)
  • Breakage of glass
  • Falling objects
  • And more...

Renters Insurance is designed principally to cover your personal property such as clothes, electronics, furniture or other personal items owned by you.
Your basic policy provides important coverages such as Theft, Fire, and Windstorms. In addition, Flood is covered in select states and Earthquake coverage may be purchased for an additional cost in the state of California. Flood coverage is not available in AL, AZ, AR, GA, NH, VT, WA, WV, WI, WY.
Special limits may apply to certain personal property such as cash or jewelry. For a complete list of exclusions, limits and terms, please review your policy, or give us a call.

Is my property covered throughout the world?
Yes. College Renters Insurance covers your property in your residence hall, off-campus apartment and anywhere in the world while you travel or study abroad.

What’s not covered?
As with a typical renter's policy, College Renters Insurance does not provide coverage for all losses. Examples of losses that would not be covered would be mysterious disappearance, intentional loss, war, nuclear hazards, illegal acts, pollutants and mold. For a complete list of exclusions, limits and terms, please review your policy, or give us a call.

Are my laptop and smartphone covered?
If you have purchased a College Renters Insurance policy, your smartphone and laptop are covered if damaged, subject to the terms of the policy as well as the deductible.

Are my items covered when in storage?
If you purchase a College Renters Insurance policy, coverage applies to your personal items when in storage. Please call to speak with an agent or refer to the policy for details.

In the event of a loss, what should I use as proof of my personal property?
The best way to maintain proof of personal property is to keep a detailed and thorough inventory of your personal property. If you have them, receipts of purchase are the best proof of ownership. If not, pictures of the items with the brand names, serial numbers and models are also acceptable.

How is theft defined in the policy?
Theft is defined as “the physical removal of an object that is capable of being stolen without the consent of the owner and with the intention of depriving the owner of it permanently.” If your personal property has been stolen, you should follow up with your local or on-campus police force to file a police report.

What is replacement cost?
The Replacement Cost loss settlement reimburses you for the cost to replace a damaged item with one of similar type and quality, subject to your policy deductible. With the Actual Cash Value settlement (ACV), the depreciation of item is taken in to consideration. For example, a loss settled under Replacement Cost for a laptop would likely allow you to replace it with a similar device in today’s dollars. If your policy has the Actual Cash Value loss settlement, coverage would be provided for a fraction of the replacement cost value as this coverage takes depreciation into consideration.

What is liability coverage and why do I need it?
Liability coverage can help protect you and your assets from financial risk if you are found legally liable for an injury to another person or damage to another person's property. For example, if someone slips and gets injured in your apartment, or you unintentionally burn the wall of your residence hall while making dinner, the resulting costs may be covered. Please call to speak with an agent or refer to the policy for coverage details and exclusions.

How do I know if I am eligible for this plan?
Our College Renters Insurance is a “guaranteed issue” policy. This means that there are very few restrictions on who can enroll. You must be 17 or older to enroll online, and your insured residence must be in the United States. Coverage under this plan is not available in AK, RI, FL or CT – but if you click on the enroll button above and you live in one of these states, we’ll send you to a trusted partner that offers similar coverage.

Does a parent’s homeowners policy cover a student’s property?
That all depends! There are several factors to consider to determine whether your student’s personal property is covered under a homeowners insurance policy. First, check to see if your homeowners policy has restrictions on coverage based on where your student lives – many policies will not cover students living off-campus, but will cover students who live in the residence halls. Second, check to see if your homeowners policy has any exclusions around student status, as many policies will only cover full-time students.
Homeowners deductibles are also often high and small claims such as laptops, bicycles, or smartphones may not have coverage if they fall within the deductible. It is sensible to purchase a lower cost College Renters Insurance policy with a low $100 deductible and premiums that will not increase after a claim is made.

I’m a parent. Can I purchase a policy for my student?
Yes. Parents can purchase a policy for their child. When asked for the “insured’s name”, please list your son or daughter’s information. When asked for “your name”, please list your information so we can add you as an interested party on the account.

How do I make a claim?
To report a claim, please give us a call. We’ll get you in touch with the right people. You can report a claim over the phone 24/7. Be sure to have your policy number handy when reporting a claim.

How do I change my coverage or my address?
You must speak directly with one of our friendly agents in order to make any modifications to your existing policy. This includes a change of address, name, additional insured, or coverage limits. To speak with an agent, please give us a call. Our agents are available Monday through Friday, 8AM – 8PM, EST.

Who underwrites College Renters Insurance?
College Renters Insurance is underwritten by Markel American Insurance Company, Waukesha, WI.
MKL – NYSE), a member of the 2.3 billion dollar Markel Corporation.
Rated “A” (Excellent) by A.M. Best, Markel has been in business for over 80 years. N14 W23800 Stone Ridge Drive, Waukesha, WI 53188.

*If you live in AK, CT, FL or RI, your policy may be underwritten by Assurant Specialty.

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Comprehensive coverage for all of your college essentials:

  •  
  •  

Personal Property:

  • Personal computer
  • Bicycle
  • Television or stereo system
  • Smartphone
  • Books and school supplies
  • Clothes
  • Jewelry*
  • Musical instruments
  • And more…

Covered Causes of Loss:

  • Vandalism or malicious mischief
  • Theft
  • Fire and lightning
  • Windstorm and hail
  • Explosion
  • Smoke
  • Flood (where available)
  • Breakage of glass
  • Falling objects
  • And more…
  •  
  •  

*A special limit applies to this item. Please call to speak with an agent for policy specific information.

About GradGuard

GradGuard is the nation's first comprehensive insurance and benefits solution specifically designed for college life. Our mission is to help families protect their investment in Higher Education. We do so by providing financial protection for our sponsoring partners and personal protection for the students they serve.

We have been selected as the preferred provider of protection programs for some of the leading colleges and universities in the nation. Over 900,000 college students have access to GradGuard benefits through more than 150 school-sponsored programs.

GradGuard is a service of Next Generation Insurance Group LLC.

1 - Complete withdrawal from all classes required and must be validated; documentation for all claimed expenses required; withdrawal for psychological/mental disorder requires 2 consecutive days of hospitalization; physician recommendation to withdraw from institution is required and will be validated for withdrawal due to illness/injury or psychological/mental disorder.

Insurance benefits are underwritten by Jefferson Insurance Company (NY, Administrative Office: Richmond, VA), rated "A+" (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series. Plan(s) may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are brands of AGA Service Company. AGA Service Company is the licensed producer and administrator of [this plan] [these plans] and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Non-insurance benefits/products are provided and serviced by AGA Service Company. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or customerservice@allianzassistance.com.

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