Is there any difference between filing a renters insurance claim for lost property vs. stolen property?

"I previously filed a claim with my renters insurance company over a stolen laptop. Now I want to file a claim for a diamond earring that I lost. Does filing a claim work differently for lost property vs. stolen property?


“Technically speaking, there is no claim process for lost items because they are typically not covered under a renters policy. A lost-item claim would be denied coverage. Renters insurance covers specific perils or incidents, and unfortunately, a general loss of an item is not a covered peril. “
Jackie Whalen
Answered on Apr 14, 2021
Jackie Whalen has been in the insurance industry for over 7 years, working in sales, service and claims. She has won numerous awards as a top salesperson and customer service agent. She currently lives in New York with her husband. Her 24 year old son recently moved out on his own which has given her more time to travel, write and train her dog Maisy not to chase her cat, Whiskey.

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