Does Tenant Insurance Cover Theft?
Tenant insurance is designed to protect personal belongings against covered losses, but a theft claim still depends on the policy wording, deductible, limits and the facts of the loss.
Tenant insurance protects your possessions
IBC describes tenant insurance as coverage for a renter's possessions in the apartment and while away. Whether a specific theft is covered depends on the policy form and its exclusions, limits and conditions.
What to document after a theft
Record make, model, approximate purchase date and replacement value where possible.
Receipts, photos, serial numbers and account records can help document ownership.
Contact police where appropriate and notify the insurer promptly.
Jewellery, bikes, collectibles or other valuables can have special limits.
A home inventory helps before anything is stolen
Photos and an itemized household inventory can make it easier to show what you owned and estimate replacement values after a loss.
Open Tenant Contents Estimator →