The casualty insurance carried by this property protects the Owner of the units against damage to the buildings and common areas.
It does not cover your personal property. Your Housing Contract clearly states that YOU ARE RESPONSIBLE FOR OBTAINING INSURANCE FOR YOUR PERSONAL PROPERTY AND THAT NEITHER THE OWNER NOR THE MANAGER ARE RESPONSIBLE FOR DAMAGE TO, OR LOSS OF, YOUR PERSONAL PROPERTY.
Therefore, we strongly recommend you take steps to be sure that your personal property is covered from losses such as:
other acts of nature or man
In this regard, the following are two alternatives you may pursue, should you wish to do so:
You may be covered by your parents’ homeowners insurance under a “coverage away from premises” concept. You will need to check with their insurance agent to see if:
You are still considered a member of the household; and
The coverage is adequate considering the value of your belongings.
You may contact any number of insurance agents (such as State Farm, Safeco, or an independent agent) to obtain appropriate insurance for your needs.
Note: Neither the Owner nor Manager of this property recommend nor endorse any specific insurance company that has been named or referred to above. You must adequately investigate the alternatives presented and make your own choice considering your specific needs and constraints.