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Does Progressive renters insurance cover theft?
I can’t believe it—my laptop was stolen from my car. Does Progressive renters insurance cover theft?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no! Car break-ins can be traumatic, particularly if an electronic device like a personal laptop has been stolen. Luckily, your
Progressive
renters policy will cover the cost of the laptop—after you’ve paid your deductible. The amount you receive will also depend upon whether you have Actual Cash Value (ACV) coverage or Replacement Cost Value (RCV). Here are some things to keep in mind:
- The theft of a vehicle is not covered. A quick note—renters insurance does not cover the theft of your vehicle, only the personal contents inside
- Theft of personal property at home and away is covered.Renters insurancewill help you replace items stolen from your home, car, and hotel room. However, many policies have coverage limits when an item is stolen outside of your home.
- Actual Cash Value (ACV) coverage will pay less than Replacement Cash Value (RCV). ACV takes into account the depreciated value of your laptop while RCV will reimburse the purchase of a new laptop. So, if your laptop cost $3,000 three years ago and you have ACV, you’ll receive a check for substantially less than that amount.
- Filing a claimis straightforward. The Progressive website provides the 800 number of your insurer, and if you have trouble locating it, a live agent will help you. You’ll have to provide your insurer with supporting documents such as a police report and a receipt for the laptop.
Here’s to a speedy claims process.
Wondering if your renters insurance policy covers theft?
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- Gregory R.
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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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