USCHousing
Renters Insurance
On college campuses, backpacks are often filled with thousands of dollars of electronics and books, and
student bicycles and other valuables are often targets for criminals. Remember, you are responsible for
replacing stolen or damaged property,
not
USC.
USC is not liable for damages that occur to student’s personal property such as loss from fire, smoke,
sprinkler discharge, theft or vandalism. In addition, the university is not responsible for large-scale
unintentional damage that residents may cause to their buildings due to fire, smoke or sprinkler-head
discharges
In these circumstances campus residents may be financially responsible if they do not have
adequate insurance coverage. While the university does not offer renter’s insurance, it
expects all residents to obtain insurance from a provider of their choosing before move-in.
www.gradguard.com (866) 985-7598 [email protected]
GradGuard is a service of Next Generation Insurance Group, LLC. © 2015 - GradGuard. All rights reserved. R.OS.CUSTOM.USC.11.15
Renters Insurance is underwritten by Markel American Insurance Company, Waukesha, WI. The advertised product is not available in AK, CT, FL,
and RI. Other program options are available for these states. Claims and coverage subject to policy, language, limits and exclusions.
As a USC Housing resident you are eligible for the Renters Insurance from GradGuard™.
Theft & Fire Protection Homeowners Insurance Alternative Liability Protection
For your laptop, bicycle,
cell phone, etc
No credits check and a
lower deductible
Coverage if you accidently damage
your place of residence
Convenient Monthly Payments Low Deductible
Made more affordable in automatic
monthly payments
Choose a deductible as low as $100
GradGuard
TM
Renters Insurance is a smart investment for USC Housing residents. With our Renters
Insurance plan, any personal items that are stolen or damaged by a covered cause of loss can be replaced,
subject to a $100 deductible. This includes clothing, computers/laptops/tablets, smart phones, bikes, game
consoles, textbooks, furniture, and more. GradGuard
TM
Renters Insurance also protects you financially
for unintentional damage to your residence or bodily injury to others for which you are liable. GradGuard
TM
personal property coverage is world-wide.
USCHousing
Renters Insurance
On college campuses, backpacks are often filled with thousands of dollars of electronics and books, and student
bicycles and other valuables are often targets for criminals. Remember, you are responsible for replacing stolen or
damaged property, not USC.
GradGuard
TM
Renters Insurance is a smart investment for USC Housing residents. With our Renters Insurance
plan, any personal items that are stolen or damaged by a covered cause of loss can be replaced, subject to a $100 de-
ductible. This includes clothing, computers/laptops/tablets, smart phones, bikes, game consoles, textbooks, furniture,
and more. GradGuard
TM
Renters Insurance also protects you financially for unintentional damage to your resi-
dence or bodily injury to others for which you are liable.
Renters Insurance has these great features designed specifically for college students:
Low $100 Deductible compared to $500, $1000, or more for a typical Homeowners Insurance policy.
Alternative to Homeowners Insurance. Not all Homeowners Insurance policies are the same, however, limi-
tations may apply when property is away from the principal residence. With Renters Insurance, personal belongings
are covered whether you are on-campus, off-campus, or traveling anywhere in the world, up to the policy limits.
Personal Liability Coverage. If you cause damage to property or injure others, you may be liable for the dam-
ages. Renters Insurance from GradGuard provides up to $50,000 in personal liability coverage. For example, if you
unintentionally set off your building’s sprinkler system, liability protection can help pay for the resulting damages.
Worldwide Coverage. Your belongings are protected even outside your home. If you are traveling or your car
gets broken into, GradGuard Renters Insurance can help cover property losses outside your residence.
Replacement Cost. This protection provides you with the cost of your belongings, so they can be replaced
with an item of like kind and quality if they are damaged or lost due to a covered peril.
Electronics Coverage. Your electronics, including your TV, laptop, smartphone and tablet, are covered up to
the policy limits. There is no special limit.
www.gradguard.com (877) 556-3984 [email protected]
GradGuard™ Renters Insurance Homeowners Insurance
Low - $100
High - $500, $1,000 or more
None Coverage may depend on student status
(typically full-time) and may be limited to 10%
of the personal property coverage.
On-campus vs. off-campus
Premium impacted by small claims
Deductible
Limitations for students
Covers both May have restrictions for off-campus
No In many cases the premium will increase
As a USC Housing resident you are eligible for the Renters Insurance from GradGuard™, that includes $10,000 coverage
for theft or damage by a covered cause of loss to your personal belongings and $50,000 of personal liability coverage.
The annual cost is $185.08.
GradGuard is a service of Next Generation Insurance Group, LLC. © 2015 - GradGuard. All rights reserved. R.OS.CUSTOM.USC.11.15
Renters Insurance is underwritten by Markel American Insurance Company, Waukesha, WI. The advertised product is not available in AK, CT, FL,
and RI. Other program options are available for these states. Claims and coverage subject to policy, language, limits and exclusions.
