If while visiting a friend and the house is burglarized and the visitor’s property is stolen, is this property covered under the homeowner’s policy? If the visitor has a renter’s insurance policy, could two claims be filed for the same property? Would there be any sense in filing a lawsuit against the homeowner to recoup losses? Thank you.
If you move out before your renters policy expires, is your property still covered?
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaThe property covered under your homeowner’s policy is the property of the insured. The property of the visitor could well be covered under the visitor’s renter’s policy. I am not sure why you would want to sue the homeowner. I suspect that the renter will be able to recover all but her deductible depending upon the property involved and the circumstances.Answered on September 8, 2014flag this answer
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