For the most part, your renter’s insurance policy is going to handle any theft that happens. They will reimburse you for the items that are stolen out of your apartment, making it easier for you to replace all of those, without having to spend any more of your own money. But it is important to remember that there are a few situations where your policy is not going to cover the theft for you at all. Some of the types of theft that will not be covered under your policy includes:
# You are the one who stole the items and you are trying to get them to pay you for the item. This never looks good if this is what happens.
# It happened somewhere that you rent that is under construction.
Places that are under construction are going to carry a higher than normal risk that something is going to happen to your stuff. This is why they are not usually covered under the policy. You will need to check into this ahead of time to see if it is something you need to worry about.
There may be a few other exemptions that are present in your policy as well. For example, if you check your luggage at an airline and it is stolen in their possession, then the policy is not going to cover this at all. This is because you handed the item over to another party and so it is no longer the responsibility of the insurance company at that time.
Plus, if the insurer takes a look at some of the facts of the case and decides that you didn’t steal the items, but you were negligent, then they may not cover it either. For example, if you leave your bicycle outside without a lock or you leave your keys in the front door, then this means that you are not going to get the coverage that you are expecting because you should have taken better precautions to keep it safe.
Once you have found a good renter’s insurance policy to work with, it is time to come and take a look at some of our two bedroom apartments for rent near Anaheim Packing District. These provide a safe and secure place to call your own, with plenty of room to stretch out after work and all of the amenities that you could want in your new home. Stop looking around and hoping that you are going to provide something better. Come and take a tour of our apartments and see if they are the right one for you.
