1.5 Renters' Insurance and Student Responsibility

It is strongly recommended residents purchase renters’ insurance to protect their individual property. The University is not responsible for loss or damage to resident's individual property for any cause or reason. 

Moreover, the University is not responsible for any injuries, including but not limited to death, to residents or guests, or damage to their property that may result from misuse of the premises or arising from any act which violates the Room and Board Contract or University policy. 

Even if a resident is a dependent under a parent or guardian’s insurance policy, individual property may not be covered. Residents should ask their parent or guardian to see if renters’ insurance is recommended. 

University Housing will not assume responsibility for loss of property resulting from building systems failure or natural causes to include but not limited to fire, lightning, tornadoes, earthquakes, windstorms, hail, explosions, smoke, flood damage, pipe bursts, power surges, power outages, vandalism, and theft. 

University Housing, at its sole discretion, may choose to partially reimburse a student for loss or damage of personal items, based on a multitude of evidence if the loss was a direct result of staff negligence or error. The decision must be approved through the director of Administrative Services. Reimbursements can only be processed after all required documentation is provided. Staff working and/or living in the halls may not decide if loss of property will be covered. 

The reimbursement amount will be determined by the director for Administrative Services. If the student has renters’ insurance, University Housing, at its sole discretion may reimburse the student up to the amount of the deductible on the policy (not to exceed $500). 

If the student does not have renter’s insurance, then University Housing, at its sole discretion, may reimburse the student equal to the amount of damage (not to exceed $500). University Housing may consider the age of the property/item(s) when deciding reimbursement. 

The reimbursement may not exceed the actual value of the item(s) damaged. In cases of theft, a police report must be filed within 48 hours (about 2 days) of first discovery of missing items. 

Updated August 2022 

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