Does Harvard carry insurance for the personal property of students, faculty, or staff?

No. The property insurance maintained by the University does not cover the property of students, faculty, or staff against theft, loss or damage.  Additionally, the University does not reimburse for damage to/loss of such property even when the loss occurs inside a Harvard University building. Students, faculty, and staff are therefore encouraged to procure their own insurance coverage for any valuables, especially computers, electronics, televisions, bicycles, clothing, jewelry, books, and general apartment/dorm furnishings. Depending on the circumstances, personal property may be insured under a homeowner's or condominium unit owner's insurance policy, arranged to provide "All Risk" coverage for contents on a "replacement cost" valuation basis, at reasonable premium rates.