If the sprinkler system were to go off spontaneously on one floor of a campus residence hall, students would be responsible for any damage to their personal property.
According to CSUâ€™s Property Insurance Policy form, which includes all campus buildings, no personal property â€“â€“ for students or employees â€“â€“ is covered.
In a non-scientific poll of 100 students conducted by the Collegian, only 42 knew the university did not cover their belongings. The other 58 students were unaware.
In the same sample, 86 did not have a proper form of renterâ€™s insurance, and 71 of those 86 said they didnâ€™t plan on purchasing a plan while only 15 said they might consider it.
â€œThe University highly recommends purchasing renterâ€™s insurance to all students living on or off campus,â€ said Tonie Miyamoto, director of communications for Housing and Dining Services.
Renterâ€™s insurance covers what would normally be covered under homeownerâ€™s insurance. It covers all personal belongings including:
- Personal electronic devices,
- Bed spreads,
- Furniture, and
Not only does it cover belongings within a residence, but it covers those within oneâ€™s car as well.
Students can add coverage to their parentsâ€™ home-ownersâ€™ policies or purchase it individually for a nominal fee.
On the other hand, students living off-campus are often not protected either.
â€œWe encourage students living off-campus to go through their car insurance companies who usually have renterâ€™s insurance available to add on top of current policies,â€ said Kelsie Enderson from CSUâ€™s Off-Campus Life department.
Enderson added that they encourage students to buy a policy because it is relatively inexpensive and provides a safety net for their belongings in the event of many natural disasters.
Staff writer Justin Rampy can be reached at firstname.lastname@example.org.
Quotes for renterâ€™s insurance in dorms
- For $10,000 personal property coverage with a $250 deductible and $100,000 of personal liability coverage: $116/yr
- For the same coverage Allstate provides: $171/yr
State Farm & American Family do not provide renterâ€™s insurance to cover dorm rooms