Shorelight has teamed up with Arthur J. Gallagher & Co. to provide our students with Best-in-Class personal property insurance coverage.
What is covered?
Personal Property Coverage for your belongings due to accidental damage, theft, fire, water damage, and other common causes of loss.
- Policy Limit - $3,000 per occurrence
- Deductible - $25 per occurrence
- Accidental Damage Coverage is included at no extra cost
- Replacement Cost Loss Settlement – You do not have to worry about depreciation
- Worldwide Coverage Territory – Protection at home, at school, and abroad
- No limitation on electronics: smartphones, laptops, tablets, computers, video consoles, headphones, cameras and more!
- Bikes, jewelry, musical instruments protected up to $2,000 each
- If you would like to read a sample personal property policy click here
See examples of common claims below:
- Student Report: “Walking down the staircase of the apartment complex, my bottle accidentally opened and spilled hot tea all over my laptop. Laptop screen is now unusable and computer is unable to connect to wifi.”
Amount Paid: $1233.13 (Replacement)
- Student Report: “Laptop fell off bed in dorm. Cracked screen, unable to use laptop for school work.”
Amount Paid: $318.29 (Screen Repair)
- Student Report: “Was caught in rain storm and iPhone stopped working. The Apple store reported water damage inside phone”
Amount Paid: $304.65 (Replacement)
- Student Report: “I was talking to my friend when someone took my phone out of my back pocket. I realized only a minute after and tried to track it using Track my iPhone GPS but it had already been turned off.”
Amount Paid: $485.03 (Replacement)
How do I file a claim?
Personal Property Claims
- Report any burglary or theft to the police immediately. Ask for a copy of their report.
- Protect any damaged property from further damage - Do not dispose of it until your claim has been processed.
- Take pictures of any damaged property.
- Gather all of your receipts, credit card statements or other proof of purchase/ownership for each damaged or stolen item.
- Then simply file your claim online using the link below. Use Policy # PJ4W-HMPM to log in. Please refer to your ‘ID Card’ that you received after enrolling in the program or contact Gallagher’s customer service team using the contact information below for the password.
Your completed claim will be processed as quickly as possible. Please allow up to 30 days for processing. If you encounter any problems in processing your claim, please email us for an immediate resolution.
Additional Information
This program is administered by Arthur J. Gallagher & Co. If you have additional questions not addressed on this page, please contact the customer service team at (678) 832-4900 or by email at info@CollegeStudentInsurance.com.