Are items borrowed from me still covered by my renters insurance?

UPDATED: Sep 20, 2013

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Sep 20, 2013Fact Checked

Free Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Asked September 20, 2013

1 Answer


If you allow another person to borrow your property and it is damaged or stolen while in their possession it is likely that the property will be covered by your insurance, but you should verify with your specific insurance carrier first. If it is not covered, then the property may be covered by the other person's insurance. Many insurance policies will cover someone else's property if it is damaged or stolen from the borrower's home.

Each insurance policy will have its own restrictions and coverage rules. You should always ask questions and make sure you understand the insurance coverage before you buy.

Renters insurance is a great way to protect your personal property from damage or theft. Many types of renters insurance will cover items that are located at a place other than your dwelling but will only cover your property up to a certain amount. The amount that is covered is based on the amount of coverage you agreed upon when you purchased the policy, minus the deductible.

Answered May 17, 2019 by Parker2009

Related Links

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption