They would have to be stolen from your home. Then you get the money and buy it yourself.
If you have off premise coverage on your policy and the stolen items were scheduled on your homeowners insurance policy then Yes, you should be covered for those items. Contact your insurance agent for clarification of your insurance coverage.
Some homeowners may pay for theft for those staying in their home. Many homeowners insurance policies cover theft inside the home and the policy can be used to replace stolen items.
No. Auto insurance will only cover the vehicle and items that came installed standard on the vehicle. You can, however make a claim on your homeowners insurance for other items stolen from your vehicle. Homeowners insurance gives you coverage for items off premises up to 10% of your contents coverage on the policy. This is to cover situations like this, thefts or damage while on vacation, and even dependent children's items while in a dorm room. The biggest problem is that you will have a deductible for damage to the car and another deductible for the items stolen and covered on the homeowners policy.
No, Your home insurance policy is specific to the named insured(s) property and contents if covered.
Once the insurance company has paid the claim for stolen items they become the legal owners of the items.
generally yes. you would be covered for off premise theft. the claim would be subject to your deductible and depreciation. the depreciation could be recovered if you have full replacement on your policy for contents, once the items are replaced.
Yes, but check your policy as there are limits and additional riders that may have to be purchased.
The answer is in your particular policy, but if it does not your renters or homeowners policy may cover those items.
A Met Life homeowners policy is a standard homeowners policy and would be the same as most other policies. Damage due to improper workmanship or settling of the home would not be covered on any homeowners policy. Loss must be due to a covered cause in order for the loss to be covered on the policy. Neither of these items are a covered cause.
That depends on the policy that you have with your insurance company. When I had my truck broken into, my policy covered the iPod and stereo that were stolen, plus my rental while my truck was in the shop.
If the items are scheduled on your homeowners insurance policy for coverage, the items belong to you and the garage is the same one at the insured home, then you should have no problem with coverage.
If you have scheduled the collectible items with your insurance company on your policy and paid the required additional premium then they are covered, otherwise they are not covered. Other items that are not covered under a homeowners insurance policy unless scheduled are; fine jewelry, antiques, furs, artwork, stocks, bonds, cash and other negotiable paper.