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Does my home insurance cover lost items?

We had a big trip to the beach yesterday, but along the way, we misplaced my husband’s expensive camera. I know our insurance can cover damaged items, but will our homeowners insurance cover lost items?

Claire Beaney · Updated on Feb 2, 2022

Reviewed by Shannon Martin, Licensed Insurance Agent.

Generally, home insurance does not cover lost items. Your policy will only protect you against certain

. These named perils could include

or fire damage, but anything lost or misplaced won’t be protected.

You may be able to purchase additional coverage to protect against additional risks (like accidental loss), but it won’t apply to things that have already been lost.

While you’re considering whether to add more coverage, now’s a good time to look at your policy as a whole—there might be some savings you’re missing out on!

is the best way to guarantee no missed savings (or coverage).

A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.

MORE:

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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