My house was broken into and along with some of my property, my fiance's laptop computer that we both use was stolen. Does my homeowners policy cover such loss? If my policy does not cover it, would her parent's policy cover it? She lives with me approx. half the time. If my policy covers the loss, what coverage . . . liability because it's under my care, custody, and control or some other?
Most standard homeowner's insurance policies issued in Massachusetts include the following language ::
COVERAGE C – Personal Property
We cover personal property owned or used by an "insured" while it is anywhere in the world. At your request, we will cover personal property owned by:
1. Others while the property is on the part of the
"residence premises" occupied by an "insured";
2. A guest or a "residence employee," while the
property is in any residence occupied by an
So the short answer to your questions is probably "yes." As always, however, for this question to be answered definitively somebody would need to evaluate your actual policy plus the facts of the loss. Nonetheless, I suspect you're fine following the recommendation of the first responder here and include all items in your report, letting the insurer take the first pass on whether they think anything isn't covered.
The coverage depends on the language in your policy. Contact your agent and get a copy of the policy. My advice would be to list anything and everything that was stolen. The insurance company will address each and every item on the list and assign a value to it if they consider it a covered item. If they do not consider it a covered item they will identify the exclusionary language in the policy. if you have read the policy you can be prepared to respond to the exclusion.
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