Vandalism is most frequent in our south campus residence halls. And most of these losses have no insurance coverage because of our high deductibles. It is our experience that the vast majority of thefts are brought on by human carelessness and therefore are easily preventable by using good judgment. Departments should focus on loss control measures rather than insurance when addressing this problem. However, insurance coverage is available for theft and vandalism.
Departments can purchase all-risk insurance for some or all of their contents.