GradGuard covers items you would consider personal property such as your laptop, smartphone, bicycle, clothing, and television set! Personal property is covered against the following circumstances:
- Vandalism or malicious mischief
- Fire and lightning
- Windstorm and hail
- Flood (where available; note flood coverage is not available in the following states: AL, AZ, AR, FL, GA, NH, VT, WA, WV, WI, and WY)
- Breakage of glass
- Falling objects
Note that GradGuard does not cover accidental damage or the normal wear and tear of items.
You can read a sample policy by clicking here.