College Property

Ithaca College protects its assets through a Property Insurance Plan.  This involves the College purchasing insurance to protect against risks, such as fire, weather damage, or theft, and also self insures for a broad scope of property losses, such as computers, equipment, and building contents, as well as for third-party liability losses.  Insurance deductibles may also apply.  All damage to or loss of College-owned property is to be reported to Risk Management immediately to determine if the loss is insured, self-insured, or qualifies for a third-party claim. 

Personal property is not considered College-owned property. Therefore, it is not covered by the College's Property Insurance Plan.

Computer Theft or Damage

The College maintains a self-insurance program to cover the theft of College-owned computer equipment.  In each instance of theft or damage, the department must report the details of the occurrence immediately to the Office of Public Safety, Risk Management, and Information Technology.  Details must include the date; time and location of loss; and equipment type and identification. Risk Management will not be able to coordinate and process reimbursement, if any, until ample time is allowed to review the case and Public Safety report.  Please review the policy and procedures.

Personal Property - Personal Liability

Personal Property

Concerned about your personal smartphone, tablet, laptop, bicycle, TV, books, etc.?

Ithaca College is not responsible for loss or damage to personal property and does not carry insurance to protect the personal property of employees or students.  However, coverage is available through Arthur J. Gallagher and Co. via a Personal Property Protection program.  The coverage is available to all Ithaca College employees and current enrolled students, it extends worldwide and insures against a wide range of losses, such as theft, vandalism, fire, accidental damage (ex. to cell phone or laptop), etc.  Once the coverage is purchased it is valid for one (1) year, you choose an effective date during the online enrollment process.

  • Easy to enroll online. Simply choose the coverage amount, beginning at $3,000 (up to a max of $15,000), and choose a deductible amount of either $25, $50 or $100.  You will be responsible for paying the deductible for a claim (an online claim form must be completed by the insured (you) and submitted for the insurance company’s review and approval of the claim).
  • If you experience a loss, this policy pays first, even if you have other insurance, i.e. homeowners’ policy (the policy does not cover unexplained losses; exclusions and sub-limits do apply for certain personal belongings, such as jewelry, art, instruments, and possibly others).
  • Policy coverage begins on the date of purchase and is valid for one year (365 days).  For students, if purchased while a current Ithaca College student coverage will extend for one year.  For example, you can choose to begin the coverage on September 1st and it will be valid for one year, even if a student graduates it is still valid for one year from date of purchase.
  • Please review policy information, limitations, and exclusions.
  • FAQs

If you have any further questions, please contact Gallagher. 

Informational video:  Gallagher | College Student Insurance 

Personal Liability

You also have the option to purchase $100,000 liability insurance, which can be purchased at the same time as the property coverage.

What is the difference between the Property and Liability Insurance Policies?

The Student Personal Property Plus policy was designed to protect your property and property entrusted to your care. The Liability policy is to protect you from claims made against you for bodily injury or property damage to other people or their property for which you are found liable. While the property policy covers your property everywhere in the world, the Liability policy applies to claims made against you while a resident at the location shown on your policy as the residence location.

Does this policy cover claims made against me?

If Liability coverage is purchased, the policy covers damages for bodily injury or property damage for a covered occurrence for which an insured becomes liable up to the policy limit.