Worth Ave. Group - Providing peace of mind to consumers for over 40 years.

Worth Ave. Group: College Plus Policies

College Plus - Personal Property Coverage

Student Personal Property Insurance

College Plus is better than dorm room student insurance...

It’s personal property student insurance that is specifically designed for those attending colleges, universities and boarding schools.


With College Plus, students can insure all their dorm room electronics such as iPads, iPhones, iPod Touches, laptops, tablets, e-Readers, cell phones, and many other personal items all under one policy. College Plus student insurance provides worldwide replacement cost coverage and protects your student’s personal property against accidental damage, theft, vandalism, fire, flood, natural disasters and power surge due to lightning. Our most popular College Plus personal property insurance plan is the $6,000 coverage limit for a twelve (12) month policy period. But Worth Ave. Group offers you options and flexibility.

You may: purchase any coverage amount starting from $2000 up to $20,000 coverage, choose a deductible from $25, $50 or $100 dollars, and select a plan term of one, two, or three years duration (the one year plan has an option to auto-renew).

Coverage & Premiums

One Year Plan; Full Replacement; Annual Premium

College Plus & Educators Plus
(Full Coverage)
Coverage AmountAnnual Premium $25 DeductibleAnnual Premium $50 DeductibleAnnual Premium $100 Deductible

Item Covered
Desktops/laptops, keyboards, mouses, printers, software*
Item Covered
Electronic Devices
Cell Phones, MP3 players, video game systems, etc.
Item Covered
DVD players, televisions, stereos, etc.
Item Covered
Musical Instruments
Guitars, Amps, violins, etc.
Item Covered
Sports Equipment
Golf Clubs, skis, skateboards, etc.
Item Covered
Coats, shoes, jeans, sweaters, shirts, purses, etc.
Item Covered
Refrigerators, stoves, dishwashers, etc.
Item Covered
Chairs, tables, sofas, beds, etc.
Item Covered
Photographic Equipment
Cameras, lenses, etc.
Item Covered
Rings, watches, etc.*
Item Covered
Item Covered
School supplies, calculators,
art supplies, etc.
Item Covered
Sheets, towels, etc.

Print Application for College Plus

We do accept applications online which can be accessed here. However, if you prefer to apply via fax or mail you may download the application below.

Please mail or fax your application with proper payment to:

Worth Ave. Group
P.O. Box 2077
Stillwater, OK 74076

**Make checks payable to Worth Ave. Group**

Fax (credit card payments only): 405-372-9584

College Plus policy booklet:

Individual State Amendments:

(Please download, print and attach to your policy your state’s correspondings amendment)



Frequently Asked Questions College Plus Student Personal Property Insurance

Note: The descriptions of plan coverage on this web site are non-exhaustive and general in nature and are not intended to be a replacement for your actual plan language. For a full list of exclusions and conditions applicable to your plan, please refer to your policy booklet and, if applicable, its state insert.

For questions regarding the purchase of policies, policyholders may contact Worth Ave. Group at 1-800-620-2885 or via email at customerservice@worthavegroup.com. For questions regarding claims, please call 1-800-620-2885 and select Option 1.

Yes. We cover property on- or off-campus. Your student does not have to live in campus housing. Our coverage is worldwide.
Yes! We are happy to say that after graduation we can extend coverage indefinitely for students who have a current policy with us.
No. Dependent students are typically covered by their parent’s homeowner’s policy for liability.
Our underwriter is:
Hanover Insurance Company
440 Lincoln Street Worcester
MA 01653

NAIC#: 22292   |  AM Best Rating: A for financial size category of $1.25 billion to $1.5 billion.

Restrictions May Apply: Please review your policy booklet for full coverage details.

Speical Limits

Loss or Damage to stereo disks (including CDs, Video CDs, DVD, MP3 and Video Games), records, software, albums, cassette tapes (including video tapes) is limited to $1,000 for any one loss.

Coverage for jewelry, watches, rings and other items consisting of gold, silver or platinum or furs is limited to 20% of the policy amount (i.e. $2,000 policy allows $400 total jewelry coverage) for any one loss.

Coverage for bicycles is limited to $500.

Insured property in a personally-owned automobile is covered, provided that the vehicle was locked at the time of theft and there was visible signs of forced entry into the vehicle.

Property Not Covered

Automobiles, motorcycles, boats, motors, aircraft or aircraft parts or any other type of motorized land vehicles or other conveyances or their accessories (including car stereos, GPS devices, etc.).

Transportation tickets or other tickets.

Salesmen’s samples.

Merchandise for sale or exhibit.

Money in currency or coin, evidences of debt, letters of credit, passport documents, notes, securities.


Contact lenses.

Artificial teeth or limbs.

Keys & forms of identification (including student ID’s, driver’s license, etc.)

Firearms or ammunition.

Pharmaceuticals – prescription or over-the-counter.

Artwork – professional or amateur.

Antiques and collectibles.

Restrictions May Apply: Please review your policy booklet for full coverage details.

Don’t Know How Much Personal Property Insurance You Need?

Here’s Help from the Insurance Information Institute!

Know your stuffKnow Your Stuff® - Home Inventory is the Insurance Information Institute's free online home inventory software app. This app is easy, efficient, and best of all--it's free. Use it to help you need to get an idea of how much personal property insurance you really should own. Or; you might decide that it is time to do that home inventory that you have been putting off for so long.

After all, you never know when fire, theft, or a natural disaster is going to strike. Use this free tool and if you find that you need to insure your personal property, come on back to see us.