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Will renters insurance cover stolen items?
Last night, my apartment was broken into. The intruder stole my laptop and video gaming system. Will my renters insurance cover these stolen items?
Natalie Todoroff · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
We’re sorry to hear that your space was broken into. It’s instances like these that remind us why it’s so important to have
renters insurance
in the first place. A standard renters insurance includes personal property coverage, which can help replace your stolen items. This doesn’t mean that your insurance provider will send you a new Macbook or PlayStation. Rather, your renters insurance can help you pay to replace them.
Here’s what to do if your belongings are stolen:
- File a police report. You’ll need the report to help file your insurance claim
- Tell your landlord. They should be made aware of any building break-in. If there are any smashed windows or other damage, your landlord can help with those repairs.
- Contact your insurance holder. Be ready to provide your policy number and the relevant info about the break-in.
- Document the damage. This is especially important for big-ticket items. Take photos, gather receipts if you have them, and prepare to send them to your insurance provider. The bigger picture they have of the theft, the easier it’ll be to file your claim.
- File your claim quickly. Most providers give you 48 to 72 hours tofile your claim, so don’t wait around!
Don’t catch yourself uninsured and unprotected. Getting cheap
renters insurance
is simple with Jerry
. Just go to the app store, download Jerry for free, spend about 45 seconds to fill in some info, and voila! Insurance quotes at your fingertips. View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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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