The UM Housing Office assumes no responsibility and provides no insurance or financial protection for students' personal property. By not carrying protection while on campus, you understand that you are fully responsible for your personal property and any damages you cause while living on campus. 

GradGuard Renters Insurance is a smart investment for college students and their families. With the GradGuard Renters Insurance plan, personal items that are stolen or damaged by a covered cause of loss can be replaced, subject to a $100 deductible. GradGuard Renters Insurance also protects students financially from large scale, unintentional damage they may cause to their residence hall or bodily injury they may cause to others for which they are legally liable.

Features of GradGuard Renters Insurance for University of Montana students include:

• Low $100.00 Deductible. Compared to $500, $1000, or more for a typical homeowner’s insurance policy.
• Replacement Cost. If your personal property is stolen or damaged due to a covered peril, it will be replaced with an item of like kind and quality.
• Electronics Coverage. Your electronics, including your TV, laptop, smartphone, and tablet, are covered up to the policy limits.

• Personal Liability Coverage. If you cause damage to university property or injure others, you may be liable for the damages. Renters Insurance from GradGuard provides up to $300,000 in personal liability coverage. For example, if you unintentionally set off your building’s sprinkler system, liability protection can help pay for the resulting damages.