Does renters' insurance cover my losses if I get mugged?

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George P Burdell

Lifer
Aug 25, 2004
11,151
1
81
My current apartment lease runs out in two weeks and I'm graduating in August, which is why, instead of renewing for another year, I'm subletting a place for three months. Even though it is two minutes away from campus, I'm not very confident about my safety. I plan on taking renters' insurance to cover losses due to theft/burglary, but what happens if I get mugged on my way to school? If the thief took my laptop, I'd lose some serious coin right there. :(

Would renters' insurance cover such a loss? If not, what kind of insurance should I be looking at?
 
J

ja1484

Platinum Member
Dec 31, 2007
2,438
2
0
No, you are thinking of Mugging Insurance.

Alternatively, you might try suggesting to the would-be mugger to please accompany you to your home and rob you there. At that point, you would be covered. Explaining the situation may invoke sympathy.
 
A

altonb1

Diamond Member
Feb 5, 2002
6,432
0
71
Originally posted by: Gothgar
get a concealed weapons carry permit... best insurance right there.
Click to expand...

Depends on where you live. Too many liberals and their anti-gun laws screw that option up for many.
 
mugs

mugs

Lifer
Apr 29, 2003
48,920
46
91
I'm coming to get you...

<--- my username is also my hobby
 
Baked

Baked

Lifer
Dec 28, 2004
36,052
17
81
What you want is life insurance. Chances are if you mugged, you'll get stabbed or shot in the face as well.
 
B

beer

Lifer
Jun 27, 2000
11,169
1
0
Originally posted by: Gothgar
get a concealed weapons carry permit... best insurance right there.
Click to expand...

I'm a big support of concealed carry but this is stupid. If a bunch of inner-city hood rats pull a gun on you, you've already lost. Pulling out a gun turns a robbery into a murder.

Macho-ism FTW :roll: don't be stupid :roll:
 
D

DisgruntledVirus

Lifer
Dec 26, 2007
11,782
2
76
Read your policy jacket (its a thickish document that your got when you got your policy), as it will tell you what is and is not covered by a policy. If you don't see anything in there that says directly if its covered or not, call your agent.

Nobody in an online forum can tell you if something YOUR insurance policy will cover a specific loss. Your agent is the best person to ask, as they will be able to look at your policy with your company.

This is just like asking "ATOT I have *insert some random medical thing here* what is it?".... go see your doctor or in this case agent and find out from somebody who can give you an accurate answer.
 
T

thomsbrain

Lifer
Dec 4, 2001
18,148
1
0
It probably doesn't cover anything that doesn't happen in the apartment. Carry your laptop in a regular backpack FTW.
 
Freejack2

Freejack2

Diamond Member
Dec 31, 2000
7,751
8
91
You can purchase separate insurance for your laptop that covers it everywhere. We have it and I've had to use it once in the several years we've had it.
 
alkemyst

alkemyst

No Lifer
Feb 13, 2001
83,769
19
81
Renter's insurance isn't standardized like homeowner's. You need to read your policy. Also for many private dwellings or rental complexes under X number of units, most renter insurance companies will not write policies.

 
Jeff7

Jeff7

Lifer
Jan 4, 2001
41,596
19
81
Originally posted by: oogabooga
Originally posted by: ja1484

No, you are thinking of Mugging Insurance.
Click to expand...

worth every penny.
Click to expand...
The greatest part is, it's usually sold by the people who would otherwise mug you! They have industry experience, so you know they're the best.

 
I

Injury

Lifer
Jul 19, 2004
13,066
2
81
Originally posted by: DisgruntledVirus
Read your policy jacket (its a thickish document that your got when you got your policy), as it will tell you what is and is not covered by a policy. If you don't see anything in there that says directly if its covered or not, call your agent.

Nobody in an online forum can tell you if something YOUR insurance policy will cover a specific loss. Your agent is the best person to ask, as they will be able to look at your policy with your company.

This is just like asking "ATOT I have *insert some random medical thing here* what is it?".... go see your doctor or in this case agent and find out from somebody who can give you an accurate answer.
Click to expand...



woah.

woah woah WOAH.


That's just too logical and effort-inducing for ATOT. Are you sure you're in the right forum? ;)
 
ebaycj

ebaycj

Diamond Member
Mar 9, 2002
5,418
0
0
Originally posted by: Gothgar
get a concealed weapons carry permit... best insurance right there.
Click to expand...

win

EDIT: also if it is your laptop specifically you are worried about, (and if it is a dell), I would call up and add accidental damage / loss / theft warranty coverage to your laptop. should run you about $200-$300.
 
waggy

waggy

No Lifer
Dec 14, 2000
68,143
10
81
why would renters insurance cover if you are mugged? seems odd to me.

i would think renters covers your stuff in the apartment or if someone gets hurt in it.

 
Bignate603

Bignate603

Lifer
Sep 5, 2000
13,897
1
0
Originally posted by: ebaycj
Originally posted by: Gothgar
get a concealed weapons carry permit... best insurance right there.
Click to expand...

win

EDIT: also if it is your laptop specifically you are worried about, (and if it is a dell), I would call up and add accidental damage / loss / theft warranty coverage to your laptop. should run you about $200-$300.
Click to expand...

FTW.

Just get something for your laptop and don't carry anything valuable that you can do without.
 
Capt Caveman

Capt Caveman

Lifer
Jan 30, 2005
34,543
651
126
Originally posted by: waggy
why would renters insurance cover if you are mugged? seems odd to me.

i would think renters covers your stuff in the apartment or if someone gets hurt in it.
Click to expand...

It varies by policy. When I had it, it used to cover my mountain bikes if they were ever stolen when locked-up outside anywhere.
 
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