Insurance Online : Contruction Manager Has Defense As Additional Insured

   The court found that the construction manager was an additional insured under the contractor's policy. Turner Constr. Co. v. Navigators Ins. Co., 2015 N.Y. Misc. LEXIS 2704 (N.Y. Sup. Ct. July 23, 2015).    The owner hired two contractors, Enclos Corp. and Five Star Electric Corp. In their separate contracts with the owner, each contractor agreed to procure a CGL policy naming the owner and a person identified as the construction manager as additional insureds. Travelers was Enclos's insurer, and Navigators Insurance Company was Five Star's insurer.    Turner was hired to "provide pre-construction services and construction management services for the Project."     Plaintiff in the underlying suit, Edward Walls, was an Enclos employee who was injured at the job site. He sued Turner and others for injuries. Turner claimed it was an additional insured under Travelers' policy. Travelers argued Turner was not an additional insured because it was not named in the policy and was nowhere identified as the construction manager. Travelers further contended that Turner was not entitled to a defense because its costs in the underlying action did not equal the deductible in the Travelers' policy.     On Turner's motion for summary judgment, the court found that Turner was the construction manager and Enclos' promise in the contract with the project owner to provide additional insured coverage for the construction manager applied to Turner. Additional insured status was conferred under Travelers' policy for any entity that the insured was required by a written contract to name as an additional insured. Enclos's contract with the owner fulfilled this requirement. It did not matter that Turner was not named in the contract or policy. Therefore, Travelers had a duty to defend Turner.    The Travelers policy had a deductible of $150,000, and the Walls action costs had reached about $58,000 at the time the motion was filed. As an insured, the deductible applied to Turner. When the costs exceeded $150,000, Travelers was responsible for the costs of defending Turner in the Walls action.        

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Insurance Online : How to Keep Other Structures Safe and Secure

Other structures on your property such as detached garages or sheds can be targets for burglars and can be riddled with potential safety hazards. Here are a few guidelines to follow if you have other structures on your premises.

Safety first

Garages and sheds can be used for storing boxes you haven’t gotten around to unpacking since moving in, holiday decorations, tools, and vehicles. If your garage gets cluttered, it becomes much easier for you or a guest to trip over things or inhale fumes from spilled chemicals that have been knocked over.

To combat potential injuries, follow these safety tips:

• Make sure the space is well-lit. One simple light in the center of the ceiling won’t cut it. Install – or hire a handyman to install – multiple long fluorescent light fixtures in order to illuminate the whole space so there are no shadows hiding potential hazards or intruders. It’s a good idea to have the bulbs encased in wire to better protect them if you’ll be working in your garage or shed.
• Air it out. If your structure doesn’t already have an exhaust fan and you’re going to be working on home projects in it, installing one of these fans should be the first thing on your To-Do list. Home projects can require working in conditions with sawdust, combustibles, or other toxins, so exhaust fans are necessities to ensure that no one requires medical attention after inhaling dust or fumes.
• Clean, clean, clean! Keep the floors clean. If you park your car in the garage and it leaks some type of fluid, clean it up immediately as it’s a hazard. Dispose of greasy/oily rags because left out, they could be a fire risk. Also, sweep away cobwebs and make sure trash bins are sealed tightly – cobwebs can house venomous spiders and exposed garbage could attract pests such as raccoons, rats, or squirrels.
• Don’t need it, don’t keep it. Get rid of stuff you don’t and won’t ever use. Get rid of the clutter.
• Get organized. Tools, boxes, lawn equipment, etc. should be stored neatly and efficiently to avoid potential injuries. Purchase racks or bins and organize your garage or shed.
• Have safety equipment on hand. Keep a first aid kit and fire extinguisher inside the structure in case of emergency.

Lock it up

In 2013, the FBI estimated that more than 1.9 million burglaries occurred in the United States and victims suffered $4.5 billion in loss of property.

Many homeowners tightly secure their homes with deadbolts and/or security systems but don’t give much thought to the security of other structures since they’re not connected to the house itself.

Burglars have begun targeting sheds and garages because of more lax security. Plus, they often contain high-payout items such as power tools that can be taken, and they could house alcohol or inhalants, which draw the attention of teenagers. To help alleviate the chances of your shed or garage being broken into, consider the following:

• Bolt the doors and cover the windows. Burglars will be more enticed to break into your garage or shed if they can see that there are valuables inside. Cover the windows with blinds or tarps to keep your property out of sight, and if you want added security, consider putting bars over the windows. Also, be sure that you lock and deadbolt the door(s) when exiting.
• Be smart about the placement of your garage door opener. If you have an automatic garage door opener and you store it in your car, be sure to always lock your vehicle’s doors. It may be wise to incorporate the use of a keychain transmitter so that you can always keep it on your person. Bonus tip: when you’re backing out of the driveway and hit the button to close the door, make sure it shuts the whole way before you drive off. The last thing you need is a thief sneaking into your garage at the last second and taking whatever they can get their hands on.
• Increase surveillance. Consider installing motion-sensor lights and/or video cameras around the structures as added deterrents. And form trusting relationships with your neighbors as well as joining a neighborhood watch program – you and your neighbors can strike deals to watch for one another when either party is not at home, and the neighborhood watch program will help out with that, too.

Insurance coverage for other structures

In the event of a disaster such as a fire or theft, the structures on your property can be coverage under standard home insurance policies. Coverage for detached garages, sheds, gazebos, etc. is usually set at 10% of the home’s insured value.

In case an invited guest is injured while rummaging around in your tool shed looking for a wrench, your home insurance’s liability coverage will kick in to help pay for medical expenses that result, though the amount varies by policy.

Obviously, protecting your house is important – that’s where you spend most of your time. But you also should make sure the Other Structures are fully covered.

Photo credit for preview image: Flickr user/Elizabeth Anderson

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Insurance Online : How to Keep Other Structures Safe and Secure

Other structures on your property such as detached garages or sheds can be targets for burglars and can be riddled with potential safety hazards. Here are a few guidelines to follow if you have other structures on your premises.

Safety first

Garages and sheds can be used for storing boxes you haven’t gotten around to unpacking since moving in, holiday decorations, tools, and vehicles. If your garage gets cluttered, it becomes much easier for you or a guest to trip over things or inhale fumes from spilled chemicals that have been knocked over.

To combat potential injuries, follow these safety tips:

• Make sure the space is well-lit. One simple light in the center of the ceiling won’t cut it. Install – or hire a handyman to install – multiple long fluorescent light fixtures in order to illuminate the whole space so there are no shadows hiding potential hazards or intruders. It’s a good idea to have the bulbs encased in wire to better protect them if you’ll be working in your garage or shed.
• Air it out. If your structure doesn’t already have an exhaust fan and you’re going to be working on home projects in it, installing one of these fans should be the first thing on your To-Do list. Home projects can require working in conditions with sawdust, combustibles, or other toxins, so exhaust fans are necessities to ensure that no one requires medical attention after inhaling dust or fumes.
• Clean, clean, clean! Keep the floors clean. If you park your car in the garage and it leaks some type of fluid, clean it up immediately as it’s a hazard. Dispose of greasy/oily rags because left out, they could be a fire risk. Also, sweep away cobwebs and make sure trash bins are sealed tightly – cobwebs can house venomous spiders and exposed garbage could attract pests such as raccoons, rats, or squirrels.
• Don’t need it, don’t keep it. Get rid of stuff you don’t and won’t ever use. Get rid of the clutter.
• Get organized. Tools, boxes, lawn equipment, etc. should be stored neatly and efficiently to avoid potential injuries. Purchase racks or bins and organize your garage or shed.
• Have safety equipment on hand. Keep a first aid kit and fire extinguisher inside the structure in case of emergency.

Lock it up

In 2013, the FBI estimated that more than 1.9 million burglaries occurred in the United States and victims suffered $4.5 billion in loss of property.

Many homeowners tightly secure their homes with deadbolts and/or security systems but don’t give much thought to the security of other structures since they’re not connected to the house itself.

Burglars have begun targeting sheds and garages because of more lax security. Plus, they often contain high-payout items such as power tools that can be taken, and they could house alcohol or inhalants, which draw the attention of teenagers. To help alleviate the chances of your shed or garage being broken into, consider the following:

• Bolt the doors and cover the windows. Burglars will be more enticed to break into your garage or shed if they can see that there are valuables inside. Cover the windows with blinds or tarps to keep your property out of sight, and if you want added security, consider putting bars over the windows. Also, be sure that you lock and deadbolt the door(s) when exiting.
• Be smart about the placement of your garage door opener. If you have an automatic garage door opener and you store it in your car, be sure to always lock your vehicle’s doors. It may be wise to incorporate the use of a keychain transmitter so that you can always keep it on your person. Bonus tip: when you’re backing out of the driveway and hit the button to close the door, make sure it shuts the whole way before you drive off. The last thing you need is a thief sneaking into your garage at the last second and taking whatever they can get their hands on.
• Increase surveillance. Consider installing motion-sensor lights and/or video cameras around the structures as added deterrents. And form trusting relationships with your neighbors as well as joining a neighborhood watch program – you and your neighbors can strike deals to watch for one another when either party is not at home, and the neighborhood watch program will help out with that, too.

Insurance coverage for other structures

In the event of a disaster such as a fire or theft, the structures on your property can be coverage under standard home insurance policies. Coverage for detached garages, sheds, gazebos, etc. is usually set at 10% of the home’s insured value.

In case an invited guest is injured while rummaging around in your tool shed looking for a wrench, your home insurance’s liability coverage will kick in to help pay for medical expenses that result, though the amount varies by policy.

Obviously, protecting your house is important – that’s where you spend most of your time. But you also should make sure the Other Structures are fully covered.

Photo credit for preview image: Flickr user/Elizabeth Anderson

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Insurance Online : General Partner Is Not Additional Insured For Construction Defect Claim

   The court determined that the project owner's general partner was not an additional insured entitled to a defense and indemnity against claims for construction defects. St. Paul Fire & Marine Ins. Co. v,. Cypress Fairway Condo. Ass'n, 2015 U.S. Dist. LEXIS 94012 (M.D. Fla. July 20, 2015).    Construction of the Cypress Fairway Condominium project took place in 1999 and 2000. Cypress Fairway Ltd. ("Cypress") was the owner and Vineland Partners , LLC ("Vineland") was its general partner. The general contractor was Winter Park Construction Company ("WPC"). Water intrusion and property damage occurred, but it was unclear when or whether the damage was known. Cypress' expert indicated that the damage began shortly after the end of construction.     In 2004, the complex was sold to Cypress Madison Ownership Company. In 2010, the Cypress Fairway Condominium Association sued Cypress and Vineland. Count V of the underlying complaint asserted there were construction defects that Cypress and Vineland were responsible for when they owned and managed the project. Count VI alleged that Cypress and Vineland negligently supplied information which the Association relied on for the purchase of the condominiums.     Cypress and Vineland entered a settlement with the Association that included a consent judgment for $2.5 million. Policy rights were also assigned to the Association.    St. Paul had issued three policies to WPC, which named Cypress and Vineland as additional insureds. The policies ran from December 31, 1999 to the end of 2002. While it conceded a duty to defend Cypress, St. Paul argued on summary judgment the policies did not include Vineland as an additional insured because it was not an owner of the property. The policies covered, "[a]ll owners, contractors . . . who require that you add them as an Additional Protected Person in a specific written contract entered into by you." The construction contract required WPC to indemnify the owner, officers, directors, shareholders, partners and many others. This broad and general indemnification provision did not convert all the indemnitees into additional insureds. Therefore, St. Paul had no duty to defend or indemnify Vineland.     St. Paul also sought a ruling on summary judgment that it had no duty to indemnify because the insureds could not show that the damages occurred during the policy periods. The court determined that the injury-in-fact rule was applicable. The relevant question, therefore, was whether there was evidence that showed damage occurred during the policy period. Defendants' expert testified that damages could have occurred soon after construction was complete. Construction was completed sometime in the year 2000. The policy periods ran from late 1999 to late 2002. The testimony indicated that damage could have happened within the policy periods.      As to Count VI, St. Paul argued it had no duty to defend or indemnify because the negligent supply of information did not cause property damage. The court agreed. Representations about the state of the buildings did not cause water intrusion and the resultant property damage. Further, representations were not accidents and could not be "events" within the meaning of the policies. While the Association may have suffered economic damage based on Cypress and Vineland's representations,  it did not suffer property damage caused by an event as defined in the policy.

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Insurance Online : 25 Safest U.S. College Campuses

Fall classes are ramping up and parents have sent their babies to learn, grow, explore, and experience some of the best four years of their lives. Though, as a parent, sending your child off to school can be rather nerve-wracking.

For many 18-year-olds, college is the first time they’ve been on their own, meaning that mistakes get made and moral compasses aren’t always pointing due north. So college campuses can be sources of a range of crimes from petty theft to possession of drugs to events that are more violent.

According to the FBI’s most recent campus attacks study, from 2005 through 2008, there were:

• 174 instances of murder/non-negligent man slaughter
• 13,842 forcible sex offenses
• 19,900 robberies
• 21,675 cases of aggravated assault
• 137,785 burglaries

These crimes only account for institutions in accordance with the Clery Act – a law that requires colleges and universities that participate in federal financial aid programs to track and disclose statistics of various types of crimes that occur on or near the campuses.

HomeInsurance.com recently launched research to determine which college campuses are the safest to stroll through – hence we decided to consider the walkability rating of each campus – and reside in. Here are our findings:

1. Pennsylvania State University-Harrisburg

Pennsylvania State University – Harrisburg

This satellite PSU campus tops our list due to zero instances of violent crimes and few instances of property crimes in 2013 along with a walk score of 71. Penn State–Harrisburg – AKA the Capital College – has 4,376 students and is one of 24 Pennsylvania State University campuses throughout the state.

2. University of Wisconsin-La Crosse

University of Wisconsin – La Crosse

 

 

UW–La Crosse was ranked the top comprehensive university in the University of Wisconsin System in 2014 for the 14^th consecutive year by U.S. News & World Report. The institution claims the position of second on our list due to zero occurrences of violent crimes and few property crimes in 2013 along with a walk score of 52. UW–L spans 119 acres of fields and landscaping, making students feel as though their walks to classes are through one big park.

3. Bristol Community College, Fall River, MA

Bristol Community College

Bristol Community College earned its place due to a violent crime score of zero and few property crimes in 2013, along with a walk score of 64. The two-year institution spans 65 acrest.

4. Morton College, Cicero, IL

Morton College

Morton College – founded in 1924 – is the second oldest community college in the state. Construction began on the college’s current location in 1973. There were no instances of violent crimes on campus in 2013.

5. Stevens Institute of Technology, Hoboken, NJ

Stevens Institute of Technology

Stevens Institute of Technology is a private research university and rounds out the top five due to zero instances of violent crimes and a walk score of 95 – one of the highest on the list. It was founded in 1870 – making it one of the oldest technological colleges in the country.

6. Virginia Western Community College, Roanoke VA

Barton Malow Construction

Virginia Western Community College is situated among 70 acres of Roanoke, VA, and joined the safest college cities list thanks to zero instances of violent crimes, few occurrences of property crimes, and a walk score of 41. It is one of the largest community colleges throughout the statet.

7. Allan Hancock College, Santa Maria, CA

Biggs Cardoso Associates Inc.

Allan Hancock College is rated among California’s five best community colleges. made the list due to zero instances of violent crimes and a walk score of 48.

8. Pennsylvania State University – Greater Allegheny

Pennsylvania State University – Greater Allegheny

With a walk score of 39 along with zero violent crime and just five property crime occurrences, Penn State Greater Allegheny in McKeesport sealed the No. 8 slot. Students are able to participate in clubs such as drama or psychology and in intramural sports such as flag football.

9. Texas A&M University-Galveston

Texas A&M – Galveston

This ocean-side satellite location of Texas A&M University offers majors that are distinctly related to the ocean such as marine biology and marine engineering. TAMUG scored the No. 9 spot due to a walk score of 45 and zero violent crime incidents in 2013.

10. Notre Dame College of Ohio

Notre Dame College of Ohio

Notre Dame College of Ohio’s walk score of 42, few instances of property crimes, and zero instances of violent crimes are to thank for it rounding out the top 10 safest college cities. The South Euclid institution was established in 1922 as a women’s college and expanded to be coeducational in 2001t.

11. North Lake College, Irving, TX

North Lake College

North Lake College opened its doors in 1977 and specializes in degrees in the arts, sciences, and logistics technology. North Lake College earned its position due to low occurrences of property crimes, zero violent crimes, and a walk score of 42.

12. Indiana University Southeast

Indiana University Southeast

With just eight instances of property crimes and zero instances of violent crimes in 2013, along with a walk score of 37, Indiana University Southeast scored highly in our research. The institution specializes in business, education, and nursing degrees at the New Albany campus.

13. Red Rocks Community College, Lakewood, CO

Red Rocks Community College

Red Rocks Community College has a mountain view and offers more than 650 classes in more than 150 subject areas. It joins the list due to no instances of violent crimes and few instances of property crimes in 2013.

14. Arapahoe Community College, Littleton, CO

Arapahoe Community College

A walk score of 37 paired with only nine instances of property crimes and no occurrences of violent crimes in 2013 pushed Arapahoe Community College up to the No. 14 slot. The college was founded in 1965.

15. New College of Florida, Sarasota, FL

New College of Florida

The New College of Florida was founded in 1960 as a private institution. In the years since, it has morphed into an autonomous honors college of the State University System of Florida. The college recorded zero violent crime incidents in 2013.

16. Hagerstown Community College, Hagerstown, MD

Hagerstown Community College

With just one instance of violent crime and a low number of incidents of property crimes in 2013, coupled with a walk score of 51 under its belt, Hagerstown Community College snagged a high rating. The college was founded in 1946t.

17. University of Wisconsin-Green Bay

University of Wisconsin – Green Bay

UW-Green Bay was founded in 1965 and originally intended to focus on environmental sustainability. Today, the university has expanded its curriculum to include a wide range of degrees that are ‘problem-focused,’ earning it the nickname ‘Eco U.’  It also recorded zero incidents of violent crimes and few incidents of property crimes.

18. Brookhaven College, Farmers Branch, TX

Brookhaven College

A walk score of 39 and zero incidents of violent crimes in 2013 are the reasons largely responsible for Brookhaven College earning a spot on the list of safest college cities. Brookhaven College was founded in 1978 and is the newest college in the Dallas County Community College District.

19. University of Michigan-Dearborn

University of Michigan – Dearborn

The University of Michigan branch in Dearborn, MI joins the ranks of safest college cities due to just one incident of violent crime in 2013 and a walk score of 55. UM-Dearborn is widely known for its engineering and management programs, though it offers more than 90 majors.

20. Dalton State College, Dalton, GA

Dalton State College

Dalton State College opened its doors in 1967 as Dalton Junior College – a two-year institution – and changed its name and expanded to a four-year school in 1998. It had no incidents of violent crimes and just seven occurrences of property crimes in 2013.

21. Harper College, Palatine, IL

Harper College

Harper College made our list due to zero instances of violent crimes in 2013 and a walk score of 37. The college has an informal architectural layout with buildings constructed in accordance with the natural contours of the campus’s land.

22. North Shore Community College, Danvers, MA

North Shore Community College

North Shore Community College is one of the largest community colleges in the state, offering more than 80 programs. The college has a walk score of 34 but reported no incidents of violent crimes in 2013.

23. Elgin Community College, Elgin, IL

Elgin Community College

Due to a walk score of 38 and zero occurrences of violent crimes in 2013, Elgin Community College secured the No. 23 slot. The college was founded in 1949.

24. Oakland Community College, Royal Oak, MI

Royal Oak Restaurant Association

Oakland Community College, which opened in 1965, is the largest community college in Michigan and one of the largest in the country. The institution had zero instances of violent crimes in 2013 and received a walk score of 50.

25. University of Wisconsin-Superior

University of Wisconsin – Superior

The university clinched the last slot on the list due to a walk score of 40 paired with few incidents of property crimes and just one incident of violent crime reported in 2013. It was founded in 1893 – and went by the name Superior Normal School – with the purpose of training teachers. The name was changed to UW-Superior in 1971.

…..

If you don’t attend one of these safest campuses, there’s still some good news:  When it comes to college danger, some property crime incidents involving students can be covered by a parent’s home insurance.

That’s especially true for a student living on campus – as long as the student’s primary residence remains his or her parents’ address. Get more information about what’s covered here.

Students who live off-campus should consider investing in renters insurance. It’s not that expensive – premiums averaged about $15 a month, and it can come with other protection in addition to property coverage.

Following are the 50 safest campuses as determined by the HomeInsurance.com study:

Methodology

To evaluate the safest college campuses in the United States, HomeInsurance.com Analysts reviewed 2013 college crime statistics from the Federal Bureau of Investigation as well as city Walk Scores created by WalkScore.com.

Analysts looked at more than 400 colleges and universities and assigned each with a score for Violent Crime, Property Crime and Walkability. Colleges were then ranked by their total score. The Violent Crime score encompasses incidents of murder and non-negligent manslaughter, rape, robbery and aggravated assault. Violent crimes represent 45% of the overall score. The Property Crime score encompasses incidents of burglary, larceny-theft, motor vehicle theft and arson. Property Crimes represent 35% of the overall score.

Walk Scores were gathered from WalkScore.com and represent 20% of the overall score. In order to gather Walk Scores, analysts assigned each college campus with the city it’s predominantly located in. Tiebreakers were given to colleges with larger student enrollment in 2013.

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Insurance Online : 25 Safest U.S. College Campuses

Fall classes are ramping up and parents have sent their babies to learn, grow, explore, and experience some of the best four years of their lives. Though, as a parent, sending your child off to school can be rather nerve-wracking.

For many 18-year-olds, college is the first time they’ve been on their own, meaning that mistakes get made and moral compasses aren’t always pointing due north. So college campuses can be sources of a range of crimes from petty theft to possession of drugs to events that are more violent.

According to the FBI’s most recent campus attacks study, from 2005 through 2008, there were:

• 174 instances of murder/non-negligent man slaughter
• 13,842 forcible sex offenses
• 19,900 robberies
• 21,675 cases of aggravated assault
• 137,785 burglaries

These crimes only account for institutions in accordance with the Clery Act – a law that requires colleges and universities that participate in federal financial aid programs to track and disclose statistics of various types of crimes that occur on or near the campuses.

HomeInsurance.com recently launched research to determine which college campuses are the safest to stroll through – hence we decided to consider the walkability rating of each campus – and reside in. Here are our findings:

1. Pennsylvania State University-Harrisburg

Pennsylvania State University – Harrisburg

This satellite PSU campus tops our list due to zero instances of violent crimes and few instances of property crimes in 2013 along with a walk score of 71. Penn State–Harrisburg – AKA the Capital College – has 4,376 students and is one of 24 Pennsylvania State University campuses throughout the state.

2. University of Wisconsin-La Crosse

University of Wisconsin – La Crosse

 

 

UW–La Crosse was ranked the top comprehensive university in the University of Wisconsin System in 2014 for the 14^th consecutive year by U.S. News & World Report. The institution claims the position of second on our list due to zero occurrences of violent crimes and few property crimes in 2013 along with a walk score of 52. UW–L spans 119 acres of fields and landscaping, making students feel as though their walks to classes are through one big park.

3. Bristol Community College, Fall River, MA

Bristol Community College

Bristol Community College earned its place due to a violent crime score of zero and few property crimes in 2013, along with a walk score of 64. The two-year institution spans 65 acrest.

4. Morton College, Cicero, IL

Morton College

Morton College – founded in 1924 – is the second oldest community college in the state. Construction began on the college’s current location in 1973. There were no instances of violent crimes on campus in 2013.

5. Stevens Institute of Technology, Hoboken, NJ

Stevens Institute of Technology

Stevens Institute of Technology is a private research university and rounds out the top five due to zero instances of violent crimes and a walk score of 95 – one of the highest on the list. It was founded in 1870 – making it one of the oldest technological colleges in the country.

6. Virginia Western Community College, Roanoke VA

Barton Malow Construction

Virginia Western Community College is situated among 70 acres of Roanoke, VA, and joined the safest college cities list thanks to zero instances of violent crimes, few occurrences of property crimes, and a walk score of 41. It is one of the largest community colleges throughout the statet.

7. Allan Hancock College, Santa Maria, CA

Biggs Cardoso Associates Inc.

Allan Hancock College is rated among California’s five best community colleges. made the list due to zero instances of violent crimes and a walk score of 48.

8. Pennsylvania State University – Greater Allegheny

Pennsylvania State University – Greater Allegheny

With a walk score of 39 along with zero violent crime and just five property crime occurrences, Penn State Greater Allegheny in McKeesport sealed the No. 8 slot. Students are able to participate in clubs such as drama or psychology and in intramural sports such as flag football.

9. Texas A&M University-Galveston

Texas A&M – Galveston

This ocean-side satellite location of Texas A&M University offers majors that are distinctly related to the ocean such as marine biology and marine engineering. TAMUG scored the No. 9 spot due to a walk score of 45 and zero violent crime incidents in 2013.

10. Notre Dame College of Ohio

Notre Dame College of Ohio

Notre Dame College of Ohio’s walk score of 42, few instances of property crimes, and zero instances of violent crimes are to thank for it rounding out the top 10 safest college cities. The South Euclid institution was established in 1922 as a women’s college and expanded to be coeducational in 2001t.

11. North Lake College, Irving, TX

North Lake College

North Lake College opened its doors in 1977 and specializes in degrees in the arts, sciences, and logistics technology. North Lake College earned its position due to low occurrences of property crimes, zero violent crimes, and a walk score of 42.

12. Indiana University Southeast

Indiana University Southeast

With just eight instances of property crimes and zero instances of violent crimes in 2013, along with a walk score of 37, Indiana University Southeast scored highly in our research. The institution specializes in business, education, and nursing degrees at the New Albany campus.

13. Red Rocks Community College, Lakewood, CO

Red Rocks Community College

Red Rocks Community College has a mountain view and offers more than 650 classes in more than 150 subject areas. It joins the list due to no instances of violent crimes and few instances of property crimes in 2013.

14. Arapahoe Community College, Littleton, CO

Arapahoe Community College

A walk score of 37 paired with only nine instances of property crimes and no occurrences of violent crimes in 2013 pushed Arapahoe Community College up to the No. 14 slot. The college was founded in 1965.

15. New College of Florida, Sarasota, FL

New College of Florida

The New College of Florida was founded in 1960 as a private institution. In the years since, it has morphed into an autonomous honors college of the State University System of Florida. The college recorded zero violent crime incidents in 2013.

16. Hagerstown Community College, Hagerstown, MD

Hagerstown Community College

With just one instance of violent crime and a low number of incidents of property crimes in 2013, coupled with a walk score of 51 under its belt, Hagerstown Community College snagged a high rating. The college was founded in 1946t.

17. University of Wisconsin-Green Bay

University of Wisconsin – Green Bay

UW-Green Bay was founded in 1965 and originally intended to focus on environmental sustainability. Today, the university has expanded its curriculum to include a wide range of degrees that are ‘problem-focused,’ earning it the nickname ‘Eco U.’  It also recorded zero incidents of violent crimes and few incidents of property crimes.

18. Brookhaven College, Farmers Branch, TX

Brookhaven College

A walk score of 39 and zero incidents of violent crimes in 2013 are the reasons largely responsible for Brookhaven College earning a spot on the list of safest college cities. Brookhaven College was founded in 1978 and is the newest college in the Dallas County Community College District.

19. University of Michigan-Dearborn

University of Michigan – Dearborn

The University of Michigan branch in Dearborn, MI joins the ranks of safest college cities due to just one incident of violent crime in 2013 and a walk score of 55. UM-Dearborn is widely known for its engineering and management programs, though it offers more than 90 majors.

20. Dalton State College, Dalton, GA

Dalton State College

Dalton State College opened its doors in 1967 as Dalton Junior College – a two-year institution – and changed its name and expanded to a four-year school in 1998. It had no incidents of violent crimes and just seven occurrences of property crimes in 2013.

21. Harper College, Palatine, IL

Harper College

Harper College made our list due to zero instances of violent crimes in 2013 and a walk score of 37. The college has an informal architectural layout with buildings constructed in accordance with the natural contours of the campus’s land.

22. North Shore Community College, Danvers, MA

North Shore Community College

North Shore Community College is one of the largest community colleges in the state, offering more than 80 programs. The college has a walk score of 34 but reported no incidents of violent crimes in 2013.

23. Elgin Community College, Elgin, IL

Elgin Community College

Due to a walk score of 38 and zero occurrences of violent crimes in 2013, Elgin Community College secured the No. 23 slot. The college was founded in 1949.

24. Oakland Community College, Royal Oak, MI

Royal Oak Restaurant Association

Oakland Community College, which opened in 1965, is the largest community college in Michigan and one of the largest in the country. The institution had zero instances of violent crimes in 2013 and received a walk score of 50.

25. University of Wisconsin-Superior

University of Wisconsin – Superior

The university clinched the last slot on the list due to a walk score of 40 paired with few incidents of property crimes and just one incident of violent crime reported in 2013. It was founded in 1893 – and went by the name Superior Normal School – with the purpose of training teachers. The name was changed to UW-Superior in 1971.

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If you don’t attend one of these safest campuses, there’s still some good news:  When it comes to college danger, some property crime incidents involving students can be covered by a parent’s home insurance.

That’s especially true for a student living on campus – as long as the student’s primary residence remains his or her parents’ address. Get more information about what’s covered here.

Students who live off-campus should consider investing in renters insurance. It’s not that expensive – premiums averaged about $15 a month, and it can come with other protection in addition to property coverage.

Following are the 50 safest campuses as determined by the HomeInsurance.com study:

Methodology

To evaluate the safest college campuses in the United States, HomeInsurance.com Analysts reviewed 2013 college crime statistics from the Federal Bureau of Investigation as well as city Walk Scores created by WalkScore.com.

Analysts looked at more than 400 colleges and universities and assigned each with a score for Violent Crime, Property Crime and Walkability. Colleges were then ranked by their total score. The Violent Crime score encompasses incidents of murder and non-negligent manslaughter, rape, robbery and aggravated assault. Violent crimes represent 45% of the overall score. The Property Crime score encompasses incidents of burglary, larceny-theft, motor vehicle theft and arson. Property Crimes represent 35% of the overall score.

Walk Scores were gathered from WalkScore.com and represent 20% of the overall score. In order to gather Walk Scores, analysts assigned each college campus with the city it’s predominantly located in. Tiebreakers were given to colleges with larger student enrollment in 2013.

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