Items Covered in Loaner/Rental

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 10, 2012

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Insurance Question from Kemp, TX

Asked on 05/10/2012

Items Covered in Loaner/Rental Are my personal items that were stolen with a rental car covered under my insurance policy?

Answer given on May 13, 2012

If your personal property was stolen from a car, whether owned, rented or borrowed, there is no insurance coverage from the auto insurance for this loss.Theft from an auto, for personal property, is only covered under a homeowner’s or renters policy. The loss will be subject to your deductible for the homeowner policy.Talk to your agent or insurance company about the loss. You may be receiving a claim free discount that you could lose if you file a claim for the stolen property. This savings can be significant, so be sure the amount you will collect, after your deductible, is enough to warrant losing the claim free discount. If not, you should not file the claim since it would cost you more in premium savings than you would get for the loss. Obviously, if you do not have a renters or homeowner insurance policy, there is no coverage for the stolen property.

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