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Worth Ave. Group: Educators Plus Policies

Educators Plus
Insurance Coverage

Personal Property Insurance Policies

Educators Plus:The alternative to standard renters insurance

It’s the personal property insurance plan designed specifically for employees of the education industry

With Educators Plus, teachers and school employees can insure all their personal electronic devices such as iPads, iPhones, iPod Touches, laptops, tablets, e-Readers, cell phones, and many other personal items all under one policy...including school issued devices. That's right: unlike homeowners and renters insurance policies, Worth Ave. Group covers teachers and school employees using their devices on the job at school or at home. Apply for coverage now!

How Renters Insurance and Homeowners Insurance Cover Your Work Laptop:

• "not be covered if it is not a "home" laptop"
• "business pursuits are excluded"
• "homeowners insurance isn’t designed to cover most business uses"
• "requires special business pursuits endorsement & additional premium"
• "Homeowners policies often exempt business property from coverage, or limit it to say, $250"
Who is Eligible For Educators Plus? Educators Plus is available to all educators and staff employed by K-12 schools, private schools, boarding schools, colleges and universities.

Our most popular Educators 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 in its Educators Plus Plans.

You may: purchase any coverage amount starting from $2000 up to $20,000 coverage, choose a deductible from $50 or $100 dollars, 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 $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 Educators 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

Educators Plus policy booklet:

Individual State Amendments:

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



Frequently Asked Questions Educator Plus Personal Property Renters 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 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.
No, an Educator Plus policy does not offer liability coverage.
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.