Insurance and Liability

Liability

Northwestern has no legal responsibility to cover the loss or damage to items of personal property caused by residents or by occurrences such as flood, weather, or mechanical related events which occur in university owned property or on its grounds prior to, during, or subsequent to the period of the housing contract. Residents are encouraged to carry appropriate insurance to cover such losses.

Property Insurance

Northwestern University strongly encourages you to invest in additional property insurance for your student’s belongings. Please consider the following:

  • Northwestern does not endorse any individual insurance program, but does encourage parents and students to make sure they have the protection they desire for student property.
  • You may have homeowners insurance; however, not all homeowner’s policies cover everything students bring to school. Most will provide some coverage, but have limitations on certain property. You should check with your insurance agent to determine what is and what is not covered under your policy and what the deductibles are for property away from your principal residence.