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Will homeowners insurance cover a friends stolen laptop from my home?

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2015-07-17 17:35:30
2015-07-17 17:35:30

Stolen Laptops and Home Insurance

No, homeowners Insurance only covers theft of the Named Insured's property, not the property of others. Refer to the "Personal Property" coverage section of the policy.

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Some policies may allow a homeowner to elect coverage for the property of others while it is on the residence premises. If the laptop is the only item stolen, the policy deductible will apply.

On theft claims, the company will be looking to see that a police report of the break-in has been filed. In addition, your friend's claims experience with his insurance company can be negatively affected resulting in increased premiums. The insurance company could non-renew his policy if he has several claims of this type.

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