Does Renters Insurance Cover Car Break Ins?
- 15 POINTSview profileMichael George CIC, AFISPresident, Cottonland Insurance Group,An HO4 (homeowners policy for a renter) would provide coverage for personal property. Any items that would be deemed "personal property" stolen out of a vehicle would fall under the contents portion of the homeowner policy. The homeowner policy would not pay for any damage to the vehicle itself. That would be covered under the comprehensive(other than colission) portion of the auto policy if that particular coverage is included on the vehicle. Each policy would have a deductible that would apply if a claim were to be filed on both policies.Answered on April 5, 2013flag this answer
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaYour renter’s policy provides coverage for your personal property. Most policies provide that a percentage of the total coverage applies to your personal property when it is away from the residence. That figure is frequently ten per cent. If you have personal property and it is stolen from your car, you can file a claim with your renter’s policy. Don’t forget that there is a deductible on personal property claims.Answered on May 5, 2014flag this answer
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482If you have a Renters Insurance policy, than more than likely it provides come coverage for your personal property while away from your home. That would include personal property in your car. The renters policy would not proviode any coverage for damage to your car caused by the berak in of course. That would come from the Comprehensive portion of your car insurance policy.Answered on May 5, 2014flag this answer
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