{"id":7834,"date":"2025-07-17T08:48:41","date_gmt":"2025-07-17T12:48:41","guid":{"rendered":"https:\/\/www.yorku.ca\/housing\/?page_id=7834"},"modified":"2025-07-17T15:03:21","modified_gmt":"2025-07-17T19:03:21","slug":"student-property-and-liability-insurance-program-undergraduate-residences","status":"publish","type":"page","link":"https:\/\/www.yorku.ca\/housing\/student-property-and-liability-insurance-program-undergraduate-residences\/","title":{"rendered":"Student Property and Liability Insurance Program - Undergraduate Residences"},"content":{"rendered":"\n

Welcome to residence at 快播视频! As part of your stay, you\u2019ll enjoy the peace of mind that comes with included property and liability insurance. This means your personal belongings are protected, and you\u2019re covered in case of accidental damage or loss. It\u2019s just one of the many ways we help make your home on campus safe and worry-free!<\/p>\n\n\n\n

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Students living in undergraduate residence will receive the following insurance coverage included in their residence fees:<\/p>\n\n\n\n

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$10,000<\/h2>\n\n\n\n

Contents Coverage<\/h3>\n\n\n\n

Each student will be provided with coverage to protect your personal belongings up to $10,000 \u2014 subject to a $500 deductible. The policy provides coverage for all risks of loss or damage subject to exclusions.1<\/sup> Claims will be settled on a \u201creplacement cost\u201d basis
(without deduction for depreciation).<\/p>\n<\/div>\n\n\n\n

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$1,000,000<\/h2>\n\n\n\n

Personal Liability Coverage<\/h3>\n\n\n\n

If a student is found to be responsible for
causing accidental damage to university property or another student\u2019s property (for example, if a student accidentally started a fire in their room) or accidental bodily injury to another person, the policy will respond up to $1,000,000 to pay legal expenses and compensatory damages for which they are found to be legally liable.<\/p>\n<\/div>\n\n\n\n

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$2,500<\/h2>\n\n\n\n

Additional Living Expenses<\/h3>\n\n\n\n

If as a consequence of an insured loss the student\u2019s residence is unfit for occupancy, the policy will pay the increased expenses (up to $2,500) incurred by the student to obtain temporary housing.2<\/sup> For example, if a student moves to a hotel for a few days while their room is being repaired, hotel costs including meals would be covered.<\/p>\n<\/div>\n<\/div>\n\n\n\n

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Under this program, the university purchases a master policy that provides insurance coverage for all students living in undergraduate residences. Students will receive a Certificate of Insurance in their name outlining the coverages provided by the policy, and will be provided a website address where they can access the policy wording. To facilitate the issuance of the Certificate of Insurance, Housing & Conference Services will share student names and email addresses with Marsh, the insurance broker administering the policy. More information on the policy can be found at the bottom of this page.<\/p>\n\n\n\n

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Making Claims<\/h2>\n\n\n\n

Students are responsible to report claims directly to the insurer and\/or Marsh via phone or email, as the individual insurance is in their name.<\/p>\n\n\n\n

If students need claims advice or want to inquire about their insurance coverage prior to submitting a claim, students can contact Marsh directly at 1 877 585 3458 or by email to oncampusinsurance@marsh.com<\/a>. Marsh would be more than happy to discuss your options and walk you through the claims process.<\/p>\n\n\n\n

To report a claim, please contact either:<\/h4>\n\n\n\n