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Property Insurance


Fidelity Associates offers low-cost College Student Property Insurance to students living in campus housing, apartments and those living off campus as long as they are enrolled in school. We offer coverage to college students going to college in Washington, Idaho, Montana, Oregon and Alaska.

While you may be covered under your parents' Homeowners policy, this program offers much lower deductibles and will keep any claims off of the record of the Homeowner's policy, helping to prevent future premium increases. Click on the link to find the school you attend, and you can review the brochure outlining the coverage.

A Few Tips for the College-Bound

College is expensive enough without the added cost of unexpected accidents or theft, not covered by your insurance policy. If you have a student heading away to school, below are a few tips to help you get the most out of your coverage.

HOMEOWNERS (varies by state) Personal Property: Most homeowners policies will cover personal property for up to 10% of your total policy while your child is residing at school (a $100,000 policy equals $10,000 in coverage). Not all types of damage are covered, so read your policy carefully. Some items such as jewelry or expensive electronics, require special coverage. Renters insurance or student property covered offered through the college or university is strongly recommended. Liability Coverage: General damage to a dorm room or apartment is not usually covered. Documentation: Creating an inventory of the items your child is taking to school is a good idea. Use photographs and keep receipts.

AUTO (varies by state) Car Stays Home: Keep your child listed on your auto policy if they will still drive your car while at home on school breaks. Car at School: Make sure to notify us if your child will be taking a car away to school. In most cases, if the car is registered to you and listed on your policy, it will be covered. Driving a Friend’s Car: Students are generally covered if they are listed on their parent’s policy and are not regularly using the vehicle. The coverage would be secondary. The insurance for the friend’s vehicle would be the primary coverage. Discounts: A full-time student meeting certain academic requirements can qualify for a good student discount. Distant student discounts may also be available. Drivers under 21 who have completed driver’s education may also get a discount.

Before your child leaves for school, call us or e-mail fidelity@fidelityins.com. We can walk you through the steps to ensure you have the right coverage. We’re here to help!

Health Care

Fidelity Associates offers several different medical insurance options for Eastern Washington University students. Plans are available for all age groups, with one plan available on a guaranteed-issue basis, regardless of your medical history. Coverage is also available for spouses and children dependents of EWU students. Click on the link for more information.



EWU Student Health Insurance