It can be preserved only if loss experience does not get out of hand. Students should be strongly advised not to leave their personal property carelessly exposed to theft. Students should lock their rooms securely, particularly when they will be away for extended periods. This concern and understanding of the scope of coverage will minimize unhappiness and facilitate a fair loss adjustment should a theft occur. The theft coverage restriction would be activated at the school location.
Families have much at stake in the face of sky-high tuition and room and board costs.
The homeowners coverage extension is important. Students have a sizeable amount of personal property with them at their college residences, including computers, typewriters and word processors, tape recorders, stereos, musical instruments, books and clothing. The pertinent coverage features of homeowners policies are of great value and will be recognized as such when explained. The students have the same protection for personal property that their parents do at vacation locations. Most travel lightly and their exposure is minimal.