When you go to school, carloads of your personal belongings go with you. Your laptop. Your CD Player. Your Camera. Your Leather Jacket. Things that would take a lot of money to replace if they were stolen or damaged.
But where would that money come from? Your school assumes no responsibility for your personal property. Your parents' (or your) homeowners insurance? Maybe, but standard policies typically limit coverage for items kept off premises, and deductibles range anywhere from $250 up to $2,500.
Q: How do I purchase the Personal Property Protection coverage?
A: You have three enrollment options:
1. Online enrollment: http://www.haylor.com/pp . Credit card information is required for online enrollments. This is a secure site!
2. Complete the application in the brochure and mail to Haylor, Freyer & Coon, Inc. Please include payment by check, money order, or credit card. For credit card payment please complete the credit information on the application.
3. Complete the application and credit card information in the brochure and fax to Haylor Freyer & Coon, Inc. at (315) 453-1722. This is a secured fax in the College Department.
Q: What address should I list on my application?
A: We encourage you to use the address of your permanent residence.
We will mail your Certificate of Coverage to the address listed on your application. We will also use this address to mail a re-enrollment offer for next year’s program if you are still a registered student at this university.
Q: Can a parent or guardian sign and pay for my coverage?
A: Yes. We do ask that they list their relationship to you along with their signature on the application.
Q: Do you need to know where I will be living, either on campus or off campus?
A: No, but if a loss occurs, we will need to know where you are living and the location of the property at the time of the loss.
Q: Is my property covered worldwide?
A: Yes. Your belongings are covered worldwide, on or off campus - in your dorm room, your apartment, in a foreign country (this is especially important for study abroad students), "at home", "in storage", or anywhere else.
Q: When will my coverage begin?
A: The Personal Property Protection annual policy runs from August 15, 2009 – August 15, 2010. If we receive your enrollment after September 1st, your coverage will be effective five days after the enrollment form is received via online, via mail, or via fax. Your coverage will end on August 15, 2010.
Q: What is covered peril?
A: The covered "peril" is referring to the insurance term that identifies the type of loss that you are insured for. This policy will pay for a loss caused directly or indirectly from the following "perils": theft, vandalism or malicious mischief, fire, lightening, explosion, smoke, falling objects, discharge of water or steam from within a plumbing device or appliance, sinkhole collapse, and accidental damage resulting from a vehicle accident transporting your property. Refer to the Certificate of Coverage on our website http://www.haylor.com/pp for additional information on covered perils.
Q: How do I get a duplicate copy of my policy, if I have lost the original?
A: Contact Haylor Freyer & Coon, Inc. and ask for a College Specialist at 1-866-535-0456 or by e-mail: student@haylor.com.
Q: How do I report a claim?
A: Contact Haylor Freyer & Coon, Inc. and ask for the College Claims Representative at 1-888-201-5988 or by e-mail: claims@haylor.com. Claim forms are available on our website at www.haylor.com/pp .
Q: If I drop my CD player or spill a glass of water on my computer, will it be covered?
A: Yes, We will pay for accidental direct physical "loss" or damage to covered electronic equipment, not including electronic data, media or computer programs.
For specific questions or additional information please call Haylor Freyer & Coon, Inc., and ask for the College Specialists at 1-866-535-0456. You may e-mail your inquiry to student@haylor.com.
Additional information, our brochure, application, Certificate of Coverage, and claim form are available on our website: www.haylor.com/student.
Thursday, August 6, 2009
Friday, July 31, 2009
Are you protected when traveling internationally?
Travel insurance is insurance that is intended to cover medical expenses and financial (such as money invested in nonrefundable pre-payments) and other losses incurred while traveling, either within one's own country, or internationally.
Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a more extensive, continuous insurance can be purchased from travel insurance companies, travel agents or directly from travel suppliers such as cruiselines or tour operators. However, travel insurance purchased from travel suppliers tends to be less inclusive than insurance offered by insurance companies.
Travel insurance often offers coverage for a variety of travelers. Student travel, business travel, leisure travel, adventure travel, cruise travel, and international travel are all various options that can be insured.
The most common risks that are covered by travel insurance are:
Medical expenses
Emergency evacuation/repatriation
Overseas funeral expenses
Accidental death, injury or disablement benefit
Cancellation
Curtailment
Delayed departure
Loss, theft or damage to personal possessions and money (including travel documents)
Delayed baggage (and emergency replacement of essential items)
Legal assistance
Personal liability and rental car damage excess
Some travel policies will also provide cover for additional costs, although these vary widely between providers.
In addition, often separate insurance can be purchased for specific costs such as:
pre-existing medical conditions (e.g. diabetes)
sports with an element of risk (e.g. skiing)
travel to high risk countries (e.g. due to act of terrorism)
Common Exclusions:
pre-existing medical conditions
war or terrorism - but some plans may cover this risk
injury or illness caused by alcohol or drug use
Usually, the insurers cover pregnancy related expenses, if the travel occurs within the first trimester. After that, insurance coverage varies from insurer to insurer.
Travel insurance can also provide helpful services, often 24 hours a day, 7 days a week that can include concierge services and emergency travel assistance.
Typically travel insurance for the duration of a journey costs approximately 5-7% of the cost of the trip.
Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a more extensive, continuous insurance can be purchased from travel insurance companies, travel agents or directly from travel suppliers such as cruiselines or tour operators. However, travel insurance purchased from travel suppliers tends to be less inclusive than insurance offered by insurance companies.
Travel insurance often offers coverage for a variety of travelers. Student travel, business travel, leisure travel, adventure travel, cruise travel, and international travel are all various options that can be insured.
The most common risks that are covered by travel insurance are:
Medical expenses
Emergency evacuation/repatriation
Overseas funeral expenses
Accidental death, injury or disablement benefit
Cancellation
Curtailment
Delayed departure
Loss, theft or damage to personal possessions and money (including travel documents)
Delayed baggage (and emergency replacement of essential items)
Legal assistance
Personal liability and rental car damage excess
Some travel policies will also provide cover for additional costs, although these vary widely between providers.
In addition, often separate insurance can be purchased for specific costs such as:
pre-existing medical conditions (e.g. diabetes)
sports with an element of risk (e.g. skiing)
travel to high risk countries (e.g. due to act of terrorism)
Common Exclusions:
pre-existing medical conditions
war or terrorism - but some plans may cover this risk
injury or illness caused by alcohol or drug use
Usually, the insurers cover pregnancy related expenses, if the travel occurs within the first trimester. After that, insurance coverage varies from insurer to insurer.
Travel insurance can also provide helpful services, often 24 hours a day, 7 days a week that can include concierge services and emergency travel assistance.
Typically travel insurance for the duration of a journey costs approximately 5-7% of the cost of the trip.
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