Missouri Western shall not be responsible for the loss of or damage to any of the students’ personal property from any cause whatsoever. The student shall reimburse Missouri Western for all damages to the structure in which he or she is housed and all damage to, or loss of any fixtures, furnishings, or personal property furnished under this agreement caused by malice or negligence on the part of the student or their guest, including the loss of deposit. It is strongly recommended that residents have insurance on their property, such as computers, stereos, televisions, etc. Missouri Western State University does not insure personal property. Below are three agencies that partner with Missouri Western State University, but please also check local listings to find an insurance agency that can meet your needs. Should you experience damage/loss, refer to your personal coverage and contact your insurance agent.