The Cincinnati Enquirer from Cincinnati, Ohio on October 20, 1991 · Page 52
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October 20, 1991

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The Cincinnati Enquirer from Cincinnati, Ohio · Page 52

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Cincinnati, Ohio
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Sunday, October 20, 1991
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Page 52
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i Sunday, October 20, 1991 THE CINCINNATI ENQUIRER FeaturesE-5 Teach students to protect valuables BY CLIFF SMITH Rochester Times-Union Computers, jewelry and television sets are among the valuable items that millions of college students have taken back to school with them. But what happens if these possessions are stolen? Most students' personal belongings are insured by their parents' homeowners insurance policies, says Barbara Taylor, consumer consultant for the Insurance Information Institute, a New York-based industry group. Some items, however, may require special coverage, she adds. Homeowners' policies usually cover property away from home, up to a limit of 10 of the contents (furniture and clothing, etc.) coverage. For example, if the parents' house is insured for $100,000, the a separate renter's policy because they consider the student no longer a part of the household. Renter's policies are inexpensive. They cost about $125 a year and provide "plenty" of property and liability protection. Following are some tips to college students for protecting their property: Don't go anywhere without locking your door. Engrave identification numbers on TVs, stereos and computers. Don't store money or blank checks in obvious places such as desk drawers. Buy a smoke detector if your room doesn't have one. Don't prop open outside doors if you are expecting visitors. Offer to meet them outside at a certain time, instead of endangering yourself and your roommates. contents coverage typically would be $50,000 and the coverage for property moved to a college dorm would be $5,000. "Talk with your agent," Taylor advises, "if you'll be moving such high-ticket items as jewelry or watches worth more than $1,000. Since coverage for theft of these items may be limited, consider an inexpensive 'personal articles floater' to get full coverage." Computer coverage Anyone taking a computer to college also should check with the family's insurance agent, she suggests. Policies usually cover home computers, but you may need a "rider," or special coverage, to protect the computer on campus. If the student is moving to an off-campus apartment, however, the off-premises homeowners coverage may not apply, Taylor says. Some insurance companies require PRICES GOOD SUN. SAT- OCT. 20 - 25 mmmmmT n.Kor on - 21 WRITEYOUROVW lf4lPLmu croRfAND TAKE 33 OFF - m mv nwF FABRIC ITEM IN OURSTOHt m IHnc ni ia REGULAR MARKED PWC. m Firsmt. Support I 41 & Are you suffering from reatmtnt 41 Groups Kiroups WRITE YOUR FABRIC ITEM HERE REG. MARKED PRICE r .mPON TO CASHIER , FREE Assessments thru November 1$ Take a moment to check! ? 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