Q: How do I purchase the Personal Property Protection coverage?
You have two enrollment options:
- Online enrollment:www.haylor.com/pp . Credit card information is required for online enrollments. (This is a secure site)
- Complete the application in the brochure and mail to Haylor, Freyer & Coon, Inc. at the address provided in the brochure. Please include payment by check, money order, or credit card.
Q: What address should I list on my application?
We encourage you to use the address of your permanent residence. We will use this address to mail a re-enrollment form 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?
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?
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?
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?
The Personal Property insurance annual policy runs from August 15th to August 14th of the following year. Typically,if we receive your enrollment after September 5th, your coverage will be effective five days after the enrollment form is received via online or mail. Your coverage will end on August 14th
Q: What is covered peril?
The word “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 websitewww.haylor.com/pp for more detailed information on covered perils.
Q: How do I get a duplicate copy of my policy, if I have lost the original?
Q: How do I report a claim?
Q: If I drop my smartphone, iPad, laptop, iPod, etc. or spill a glass of water on it, will it be covered?
Yes, we will pay for accidental direct physical damage to covered electronic equipment, not including electronic data, media or computer programs. Accidental damage claims will be subject to a $100 deductible for all electronic and mobile devices, even if you purchase the $50 deductible.