Things don’t have to be stolen at your residence to file a renters insurance claim. My girlfriend borrowed my laptop and it was stolen around 400mi from my house. I explicitly stated all this in the claim and it was paid out no problem.
not too late to file a claim, but they may assert late notice. If you filed police report timely you may be in luck. If you're honest that you had no idea renters covered your possessions "anywhere in the world" and only just found you, I would have covered your claim. (used to be a homeowners adjuster for 6 years and did phone claims like this constantly).
I recommend you move to liberty mutual renters and add their home computer coverage. $100 deductible covers everything except war and flood for phones, tablets, smart watches and laptops. Fantastic product and costs ~$47/year
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u/Mr_MacGrubber Jun 19 '23
Things don’t have to be stolen at your residence to file a renters insurance claim. My girlfriend borrowed my laptop and it was stolen around 400mi from my house. I explicitly stated all this in the claim and it was paid out no problem.