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?


Answer provided by
Jackie Whalen
Answered on Apr 14, 2021
“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. “

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