GradGuard covers anything that you would consider personal property. This includes but is not limited to: laptops, smartphones, gaming systems, clothing, bicycle, tablets, and books! As long as the value of the item exceeds your deductible amount, it is covered under your personal property. There are a few limitations and exclusions to personal property:
- Jewelry, furs, and watches are covered up to $1,000 per occurrence, $500 max per item.
- Any mode of transportation that is powered by motor or electricity is not covered under our policy.
- Any form of accidental damage or normal wear and tear of an item is not covered under our policy.
And before you even ask, we do not need to have a list of everything that you want to insure! Just be sure that you have documentation and proof that you owned the item before you submit a claim.