Does renters insurance cover theft by roommate?

If you find out that you've been robbed by a roommate, you should file a police report. You should also contact an insurance company to file a claim. Some renters insurance policies offer coverage for stolen items, but usually it depends on how you pay for the insurance. You should check your policy to find out if this is covered by your policy.

Does renters insurance cover burglary by roommate?

Most renters insurance policies cover burglary by roommates in your home. However, the coverage typically includes the cost of stolen items, but not the cost of damage and replacement. For example, if your apartment is robbed and your TV is stolen, your renters insurance likely won’t cover the cost of a new TV. If your roommate does steal items, you will have to pay the cost of replacement and repair out-of-pocket.

Does renters insurance cover theft by roommate and roommate damage?

If you’re allowing a roommate to live with you in your home, you’re responsible for them. In this case, if one of your roommates steals some of your personal belongings, you might not be able to file a claim with your renters insurance company. If you’re wondering whether or not renters insurance covers theft by roommate and roommate damage, the answer is maybe. Depending on the specifics of your policy, you might be covered.

Is renters insurance more expensive when it comes to theft by roommate?

It all depends on the renters insurance policy you have, but the general consensus is that tenants insurance is more expensive when you add a roommate to your policy. The reason for this is because each roommate adds to the risk of damage to the property.

Does renters insurance cover theft by roommate while you're away?

Renters insurance generally covers theft by roommate while the renter is away if the renter did not give consent to have their possessions stolen. However, this does not apply if your renter intentionally lets their roommate steal their belongings. If the renter lets their roommate steal their belongings or fails to stop the theft after learning about it, then the renter may not be covered under their renters insurance policy.