Welcome to residence at York University! As part of your stay, you’ll enjoy the peace of mind that comes with included property and liability insurance. This means your personal belongings are protected, and you’re covered in case of accidental damage or loss. It’s just one of the many ways we help make your home on campus safe and worry-free!
Students living in undergraduate residence will receive the following insurance coverage included in their residence fees:
$10,000
Contents Coverage
Each student will be provided with coverage to protect your personal belongings up to $10,000 — subject to a $500 deductible. The policy provides coverage for all risks of loss or damage subject to exclusions.1 Claims will be settled on a “replacement cost” basis
(without deduction for depreciation).
$1,000,000
Personal Liability Coverage
If a student is found to be responsible for
causing accidental damage to university property or another student’s property (for example, if a student accidentally started a fire in their room) or accidental bodily injury to another person, the policy will respond up to $1,000,000 to pay legal expenses and compensatory damages for which they are found to be legally liable.
$2,500
Additional Living Expenses
If as a consequence of an insured loss the student’s residence is unfit for occupancy, the policy will pay the increased expenses (up to $2,500) incurred by the student to obtain temporary housing.2 For example, if a student moves to a hotel for a few days while their room is being repaired, hotel costs including meals would be covered.
Under this program, the university purchases a master policy that provides insurance coverage for all students living in undergraduate residences. Students will receive a Certificate of Insurance in their name outlining the coverages provided by the policy, and will be provided a website address where they can access the policy wording. To facilitate the issuance of the Certificate of Insurance, Housing & Conference Services will share student names and email addresses with Marsh, the insurance broker administering the policy. More information on the policy can be found at the bottom of this page.
Making Claims
Students are responsible to report claims directly to the insurer and/or Marsh via phone or email, as the individual insurance is in their name.
If students need claims advice or want to inquire about their insurance coverage prior to submitting a claim, students can contact Marsh directly at 1 877 585 3458 or by email to oncampusinsurance@marsh.com. Marsh would be more than happy to discuss your options and walk you through the claims process.
To report a claim, please contact either:
- Marsh Canada - 1 877 585 3458 or oncampusinsurance@marsh.com
- International Programs Group (IPG) - 1 833 735 7525 or berkleyUtenants@ipgclaims.com
1 Typical exclusions on a policy include wear and tear, some water damage, intentional or criminal acts. Please refer to the policy wording for a complete list of policy conditions and exclusions.
2 The university will initially work with any affected students to accommodate them elsewhere within university residences at no cost to the student. If there is no available space for the student to move to then a claim can be made for Additional Living Expenses.