Does Homeowners Insurance Cover Other People’S Belongings?

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   Ted Ratliff

   Owner, SFS Associates,

   If the property is in your care custody and control then it would be covered.  For example, if you borrow someones musical instrument and you have a fire, that item would be covered.  If you have a family member living with you and they have belongings in your home, they would be covered.  If however you are renting an apartment or room in your home, that persons property may not be covered.

   Answered on May 10, 2013

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