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Will homeowners cover your personal property being used at someone elses house?
Wiki User
∙ 11y ago
Not all home insurance policies are the same, so it really just depends on what kind of coverage you slected when you purchased your policy. There is another issue here as well since you say the personal property is being "Used" at someone elses house.
Although most standard homewoners insurance policies do provide some limited coverage for off-premises personal property stored temporarily at another location, As you mention in your question that the property was being "used" elsewhere, (not temporarily stored) then it would likely not be covered.
When we loan, rent or lease our personal property out to others, such a situation basically removes the property from our personal care and control. When you loan your personal property out to others (excluding vehicles) the responsibility for care becomes that of the person you loaned it too and that property is no longer covered by your home insurance policy. The person using your property is who you would need to hold responsible for any loss or damages.
If you opted for the cheapest price insurance, you may "not" have obtained off-premises property coverage at all.
Contact your insurer or your agent for clarification of your coverages.
Wiki User
∙ 11y ago
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