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» Insurance » will my homeowners insurance cover stolen items?
memberPosted by HH 7 views.

will my homeowners insurance cover stolen items?


My home was burglarized and I've been dealing with my insurance company and its been almost a month and nothing has been resolved. My sons belongings were stolen from his room like tv laptop rifles etc. He just leased his own apartment but has not moved all his belongings because he's been staying at home 4-5 days a week, due to hisgrandma being ill. now we told the insurance company about his apt and they are sending a letter for reservation of rights. Saying they may not cover his stolen items. Is this common? I thought items in my home were covered and he had been living here more than not since he got his apt 3 months ago. Can they deny coverage for his items stolen?
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1 Comments :

member1 by The Shadow 3 years ago.
you would need to read your policy and see what is covers , if it says it covers stolen items then it does but you unless t specifically stated replacement cost you'd get the value of the items in used condition and you'd need to prove you had the items with photos , serial numbers etc.

read your policy carefully and don't sign anything unless you understand it or have a lawyer read because they could be trying to get you to sign away your right to compensation or they could be saying since he is no loner living there he is not covered under the policy anymore which may or may not be true
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Tags : Will*(12887), Homeowner*(1154), Insurance*(40306), Cover*(4433), Steal*(642), Item*(261)

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