if my laptop was stolen out of someone else’s car, can i file an insurance claim with my own insurance?
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UPDATED: Jun 26, 2012
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Insurance Question from Mountlake Terrace, WA
Asked on 06/26/2012
if my laptop was stolen out of someone else’s car, can i file an insurance claim with my own insurance? NULL
Answer given on June 26, 2012
When property is stolen, even if in someone else’s home or car, you can file a claim for your stolen property.Before filing a claim, be aware of your deductible on your homeowner insurance policy. This will apply to the loss. In addition, you may lose a claim free discount on your homeowner insurance which can be as much as 15%, or even more. Be sure that the amount you will receive for the loss is worth the loss of this discount. If you have been with your insurance company for a long period of time then you may not lose the discount, but check this out with your agent or insurance company.It is possible that you have a special policy that covers items such as laptops on a separate basis. This is referred to as a personal articles policy. If you have this policy, the deductible is usually lower and the item is covered for pretty much anything that happens to it. There is usually no claim free discount on these policies.
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