Having a good renter’s insurance policy in place is going to make a big difference. It allows you a chance to get reimbursed when you lose an item that is important to you. But there are certain things that are covered by the policy, and other things that are not covered all the time. Understanding what is going to be covered and what is not will ensure that you are able to get the protection that you need out of the policy.
But what happens if you have an item stolen, but it is stolen by your roommate. This can turn into a tricky situation if your roommate steals your stuff. If they are someone who is covered by the policy already, such as someone related to you or your significant other, then you will not get any coverage if this person takes your stuff.
However, if you have a separate person as your roommate, then you will be covered through the renter’s insurance. There are a few things that you will need to do to get the coverage though. To start, you would need to name the roommate as a suspect on your policy report. And you will need to press charges against them for the theft. If you are not willing to do both of these things, then the policy is not going to provide you with the coverage that you need.
There is a good reason for the insurance company doing this. In order to cover the incident in the first place, the insurer will need to make sure that this is all a criminal matter, rather than a civil dispute. If you are not willing to do a police report and press charges against the roommate, then they are going to ensure that you are having a civil dispute at the time, and the policy is not going to cover it. In this case, you may have to choose to talk with them to get the issue fixed.
Living in the right location can be a wonderful thing when you are looking to save money and get close to everything that is important to you. That is why you should check out some of our great apartments near Oakland International Airport. These apartments are not only in the perfect location, but they have high-quality amenities that can make living here even better than before. Don’t believe us? Come take a look at some of our apartments to see why they are the perfect option for all of your needs.
