A Guide to Handling a Break-In Under Renter’s Insurance
Let’s say your rental home or apartment has been broken into, and you’re now missing some belongings. If you’ve taken the foresight to acquire renter’s insurance, fear not! You’re already well-positioned to protect yourself from liability under such circumstances. Our team at Asheville Insurance Center servicing Asheville, NC is ready to help. Here’s what you should know.
Does Renters Insurance Cover Burglary?
Most renter’s insurance policies cover theft of personal belongings. Post-burglary, it may be challenging to identify which items are missing. A well-maintained home inventory can come in handy to discern what was present in your home previously and what is now absent.
What are the Immediate Steps Post-Burglary?
If you discover that your home has been burglarized, your first step should be to move to a safe location and report the theft to the police. You can report using the non-emergency number of your local police department. Your insurance company often requires a police report documenting the lost items, so make sure to do this. Document the scene by taking clear pictures, as your insurance company might request visual evidence.
How to File A Claim?
Once the police have been informed, contact your insurance agent to initiate the claim process. Every insurance company has its procedure, which may necessitate forms to be filled out. They may request information such as the serial number and model number of the stolen items.
Insurance policies can operate differently – some may cover the replacement value of lost items, while others compensate for the items’ cash value. Your insurance agent at Asheville Insurance Center, servicing Asheville, NC, can provide guidance on the next steps. We’re here to help, so call us today.
