[Terri B]

I have renters and auto insurance thru State Farm. I heard that my"high crime"items (cds, computers, etc) are not covered if they are stolen from my car and that my laptop wouldn't be covered if it was stolen while out of my townhouse. Is there any truth to this? I would hate to purchase extra insurance if it isn't needed.My agent's secretary told me this, however I'm not sure how much to believe her since she is new and I've never dealt with her before. ------

[maxjlone]

The coverage can vary by state. In PA, it would be covered subject to your deductible and policy provisions. You need to be able to prove what you had, receipts, pictures, something along those lines. The laptop is one of the limited items for theft or mysterious disappearance. You should review that with the Agent (or one of the licensed staff) to make sure you have adequate protection.
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[Petra Filiz]

Who did you "hear" from? Was it your agent? Your AGent will have the exact answer.

Usually there's a limitation to media used in cars - like cd's. And anything powered by the car - like a gps or removable stereo system - isn't covered on the renters policy.

Unless your laptop is used for work, it SHOULD be covered under your renters policy, but maybe your renters policy has a LIMITATION for theft outside your apartment, for unattended items.

YOUR AGENT is the person to ask - unless you feel like sitting down and reading your policy.


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