Will renters insurance cover me after theft by an overnight guest?

"I let an overnight guest stay at my place while I went to work. He proceeded to steal my laptop, tablet, and some jewelry. The police claim this is a domestic dispute and refuse to charge him. Will renters insurance cover my belongings?

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Answer provided by
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Alexah Grinnell
Answered on Apr 07, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
“Yes, renters insurance will cover any stolen belongings, minus your deductible. However, you may have limits set in place for individual items that fall under the categories of electronics and jewelry. Your insurance company will be able to tell you exactly how much coverage they’d offer for your laptop, tablet, and jewelry. “
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