Damage or theft of personal belongings is typically covered under a renter’s insurance policy’s personal property coverage. This helps cover the costs of stolen items like electronics, sporting equipment and furniture, up to your policy limit. It may also cover your personal items when they are outside of your rental; for instance, if your personal computer is stolen from your car or hotel room.
Collectibles, jewelry, furs, and silverware may only have limited protection – depending on the type of claim. You can usually get additional coverage by scheduling valuable items to your existing policy or with a separate policy. Think about what it would cost to repair or replace your personal belongings and valuable items, and if additional coverage would make sense for you. One of our agents can help you determine how to best cover these items.