Will Renters Insurance Cover Stolen Items?

If you rent an apartment or house, your landlord’s insurance won’t cover the theft of your possessions. It only insures the building and items the landlord owns, such as major appliances. You can protect your belongings by signing up for renters insurance. It covers several different types of theft, with certain exceptions.


Glen Allen, VA tenants can rest assured that renters insurance generally provides coverage when valuables are stolen in home break-ins. This policy also protects against vandalism, so you could file a claim if a criminal damages other objects while stealing your belongings.

However, basic renters insurance may not cover especially valuable items. Some instruments, jewelry, antiques, or collectibles may fall into this category. If you own any of these items, you might need to add a "floater" to obtain full coverage of their value.


Many insurers cover theft even when it takes place away from home. Generally, this means that your belongings are still protected when you stay overnight somewhere else or transport items in a vehicle. There are exceptions for some treasured possessions that need their own insurance policies (like motorboats and ATVs).


Don’t forget to keep up-to-date information about your belongings in a safe place. If items are stolen, this will help you prove that you own them. Please take photos of each room in your home and print them out. Write down the model and serial numbers of valuable possessions as well.

Everett Insurance can help local tenants find dependable renter coverage. Although we adopted our current name in 1987, our independent agency has served Virginians for more than nine decades. We have multiple offices in the state, including one in Glen Allen, VA. To contact Everett Insurance, please call 800-296-1011 today.