Frequently Asked Questions about NSSI Policies

Theft from your vehicle is covered, provided that if the vehicle was unattended, visible signs of forced entry into the vehicle are present, and the property is covered by the policy purchased. A police report is required to proceed with the claims process.

No. A policy may be cancelled if the initial risk level has changed due to an excessive amount of claims during the policy period.

• If your device is sent in for repair to one of the facilities we work with, your deductible payment should accompany the device and be made payable to the repair facility.

• If a check is issued for a replacement from NSSI, then the deductible will be subtracted automatically from the reimbursement amount.

For all theft and vandalism claims, a police report is required to process your claim. Online reports are not accepted for any theft valued over $1,000.00.

If you have not received an email from the claims department within 2 business days, please call the claims department to verify receipt of your claim.

This would be the cost for you to purchase a comparable replacement at today’s market value. In some cases, your original property may no longer  be available on the market. For this situation, the adjuster will issue payment for the next comparable model that is available.

You may send in a receipt of purchase. If needed, the retailer may be able to reprint a receipt for you upon request.

We require claims to be submitted to us prior to any repairs. Independent repair estimates will not be accepted unless approved by the adjuster prior to submission. You will be contacted by your adjuster with instructions for repair once your claim has been received. A completed unauthorized repair may void your claim.

Claims processing can take up to 5-7 business days. On average, policyholders receive payment within 2 weeks from the date of filing the claim.

There is a 30 day waiting period required on accidental damage claims (including spills, liquid submersion and cracked screens) for new enrollees. Other damages from fire, flood, theft or vandalism no waiting period is required.

NSSI coverage is worldwide. Your student’s property will be covered on or off campus housing.

No. Your policy with NSSI covers perils that warranty coverage does not, such as theft, fire, flood and natural disasters. You may add Accidental Damage coverage. Warranty coverage protects from manufacturer defect and mechanical breakdown such as hard drive failure.

It is likely that your renewal/application information has not yet been processed. Due to the high volume of mail received during our busy season (June-October), mail processing may be delayed. This will never affect your coverage. A confirmation email will be sent immediately once the renewal/application is processed. (To bypass any delay, we always recommend renewing or applying for coverage via our website.)

No. Since our policy provides worldwide coverage, we do not require the student’s address. Coverage follows the student, regardless of where they are or where their property is located.

YES! We are happy to say that after graduation, you can still extend coverage as long as premium is paid and there is no lapse in coverage, as a courtesy for students who have a current policy with us.

Absolutely! Their property is protected as they travel, including while studying abroad. Even items in storage or at home are covered.

Yes. As long as your envelope is postmarked before the expiration date, coverage will not lapse. Or you may renew by phone or online up to the day before the policy expires.

To set up a password contact us by phone at 1-800-256-6774 or by email at [email protected].

Most homeowner’s policies have many limitations on coverage outside of your home. The biggest difference is in the deductible. Your homeowner’s policy typically will have a deductible of $500-$2000. A policy with NSSI has a low deductible of $50 or $100. This allows you to claim less expensive items your student has at school. If you have specific questions about your homeowner’s policy in comparison to our policy, please feel free to take our brochure to your insurance agent and ask their advice. Every year hundreds of insurance agents recommend NSSI to their clients.

No. An NSSI policy strictly covers the student’s property.