will policy cover stolen backyard item

by Guest » Wed Jan 16, 2013 01:04 pm
Guest

Will content coverage pay for stolen items from the backyard? Stolen items included furnitures like chairs, go-kart, appliances.

Total Comments: 6

Posted: Wed Jan 16, 2013 08:03 pm Post Subject:

Possibly. Like any other type of insurance, you have to read your policy to know.

In any event, you would have to prove something other than "mysterious disappearance" -- meaning, have proof of a crime (such as forced entry as possible proof of a burglary).

Posted: Thu Jan 17, 2013 07:43 am Post Subject: content coverage for stolen backyard item

Usually replacement costs are provided. Coverage limits may apply.

Read your policy for the intricate details.

Depends whether the theft occurred while you're on vacation, and whether or not your policy offers coverage for vacant home contents.

Posted: Sat Jan 19, 2013 05:59 pm Post Subject:

there sure are strange answers here. if the items were stolen and you made a police report with a sepcific time it occurred, it should be covered. vacation has absolutely nothing to do with it

Posted: Sun Jan 20, 2013 12:33 am Post Subject:

if the items were stolen and you made a police report with a specific time it occurred, it should be covered.


A police report is not the criteria for a claims payment -- it could be just as fraudulent as the claim it purports to prove. The insurance company is not obligated to pay a claim on the basis of a police report, although it may require one as a prerequisite to filing a claim. Why? Because filing a false police report is as much a crime as filing a false claim, and it might persuade a person to not make a false claim.

I agree with the statement that taking a vacation is also not a bar to having a claim paid either. "Vacancy" exclusions normally require an extended absence of 60 days or more, and most vacations do not last that long. And a person who was planning a slightly longer absence could easily obtain a vacancy rider / endorsement that would extend coverage by waiving the exclusion. .

Insurance of all types is a CONTRACT between the insured and the insurer. The language of the contract determines when and how a claim is paid or why it is not. When the insurance company writes a contract with ambiguous words and unfairly denies a claim is where I may get involved as a claimant's advocate or a plaintiff's attorney's expert witness.

Posted: Thu Jan 31, 2013 10:34 pm Post Subject:

Depends whether the theft occurred while you're on vacation, and whether or not your policy offers coverage for vacant home contents.



Nope. There's a distinct difference between "vacant" and "unoccupied." A vacant home is just that- it's been vacated. There's no furniture or other personal property other than maybe a 'fridge or range... maybe some curtains, etc. Vacancy is treated much differently than a home that isn't occupied.

Unoccupied simply means that "there's no one home." When you're on vacation, your home isn't vacant, it's unoccupied, and coverage would apply for perils that are covered by the policy. If a home is vacant for (generally) 30 days or longer in a consecutive period, then the insured would typically lose coverage for vandalism, glass breakage and a couple of other things.

InsTeacher 8)

Posted: Fri Feb 01, 2013 03:20 am Post Subject:

Nice to see you back in the game! Heard a good joke that can be made to fit the team of your choice:

What's the difference between the Oklahoma Sooners and Honey Nut Cheerios?

Answer: Honey Nut Cheerios know what to do in a bowl.

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