2007-12-15 22:11:25 · 8 answers · asked by Jude 1 in Business & Finance ➔ Insurance
If your homeowners insurance has theft coverage, yes, it should.
HOWEVER, be sure to check the deductible on your homeowners vs the value of the items stolen, AND, be sure to read over the limitations/exclusions on electronic items and media that you keep in your car (as usually, that's all that gets stolen from a car, besides purses/wallets).
2007-12-16 02:53:55 · answer #1 · answered by Anonymous 7 · 2⤊ 0⤋
No the item doesn't belong to the landlord. It belongs to you. As a landlord it's likely that he has coverage for his property but not the contents, unless you are renting the house furnished. You would be wise to take out your own homeowners policy to be sure YOUR property is protected no matter where you live. You can try & ask your landlord if he will file a claim for you, but I always expect insurance companies to find any way possible to wriggle out of paying a claim. Now if it turns out that you can file a claim on your landlords policy, then you probably won't get much. Since 9/11, insurance premiums have risen so much that homeowners are forced to accept $1,000.00 or more deductable coverage. That means if your Mac is deemed to be worth about $1,100.00, you will only get $100.00 in your claim. Cellphones, laptops, & ipods, are all high target items that should never be left in a vulnerable location like on the seat of a locked car. When you get your mac replaced, I hope you will keep it close to you from now on.
2016-05-24 04:36:41 · answer #2 · answered by ? 3 · 0⤊ 0⤋
Yes. Your homeowners policy covers your personal property when you are away from home. So if you go on a cruise and while at the harbor unloading the suit case the car backs over it - that would be covered under the homeowners policy. In general, contents coverage is worldwide. Your homeowners deductible will apply. If there was damage to your car - that would fall under your auto policy (comprehensive) and that deductible would apply as well.
2007-12-16 00:18:38 · answer #3 · answered by Boots 7 · 1⤊ 0⤋
If the item is covered by your homeowners yes. Some things are not covered by your basic homeowners. Things like radar detectors and CB radios which are expected to be in your car are typically not covered. Also, high value art or jewelry may not be covered unless specifically scheduled. High value coin collections may not be. Along with a host of other things. But if it is covered in your homeowners, it really doesn't matter where it was stolen from. It wil be covered. Read you policy.
2007-12-16 08:59:34 · answer #4 · answered by David M 7 · 1⤊ 0⤋
Yes, I'm sure they will. You're covered no matter where you are.....otherwise what's the point of having insurance?
2007-12-15 22:14:48 · answer #5 · answered by Helen Scott 7 · 0⤊ 1⤋
Yes it should
2007-12-15 22:17:56 · answer #6 · answered by bushnana 6 · 0⤊ 0⤋
What does your policy says?
2007-12-15 22:35:55 · answer #7 · answered by L1LVN 3 · 0⤊ 0⤋
Call them and ask.
2007-12-15 22:13:34 · answer #8 · answered by JJ 2 · 0⤊ 2⤋