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Does my son or daughter have coverage for their personal belongings including a portable laptop while away at college?

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Does my son or daughter have coverage for their personal belongings including a portable laptop while away at college?

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Your homeowner’s policy provides coverage equal to 10% of your limit of liability for Coverage C (Personal Property) or $1,000, whichever is greater for full-time students under the age of 24. As an example, if your homeowner’s policy provides $100,000 of personal property coverage, the personal property limit of coverage would be $10,000 while temporarily residing at another location such as school. Since laptops are considered personal property, coverage would be available up to the limit of liability subject to a covered peril under the homeowner’s policy. A breakage loss is not a covered peril under the standard homeowner’s policy. Please contact our office for potential coverage limitations for students studying abroad or living off campus. Should I schedule jewelry items on my homeowner’s policy? Your homeowner’s policy provides full coverage for all jewelry items in the event of a covered peril such as fire. However, theft of jewelry is subject to a maximum limit of $2,000 for a

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