When most people think about renters’ insurance, they imagine protection for their belongings inside their apartment or rental home. But what happens if something gets stolen while you’re not at home, say, from your car or while you’re traveling? At Windgate Insurance Agency Inc. in New Windsor, NY, we often get questions about how renters’ insurance applies in these situations, and the answer might surprise you.

Coverage That Follows You

One of the lesser-known benefits of renters’ insurance is that it typically includes "off-premises coverage." This means your personal property can still be protected even when it’s not physically inside your rental. For example, if your laptop is stolen from your hotel room during vacation or your backpack is swiped from your car, your renters’ policy could help cover the loss.

Know the Limits and Exceptions

While off-premises coverage can be a huge relief, it’s important to understand that there may be limits on how much your policy will reimburse for theft outside your home. Some policies cap off-premises claims at a percentage of your total personal property coverage. Additionally, high-value items such as jewelry, electronics, or collectibles may require supplemental coverage to be fully protected. Reviewing your policy’s terms is essential to ensure you have the right level of protection.

Filing a Claim the Right Way

If you experience theft outside your home, make sure to file a police report and document the loss thoroughly. Providing receipts, photos, and any related documentation can help expedite the claims process and ensure you receive the support you need.

Not sure if your current renters’ insurance offers the protection you deserve? Contact Windgate Insurance Agency Inc. in New Windsor, NY, today, and let’s make sure your belongings are covered—no matter where life takes you.