While you were visiting a friend, someone robbed their apartment and stole your laptop computer. unfortunately, they did not have renter's insurance. where can you look for to replace your computer

The correct answer is Your homeowners insurance policy .

Explanation:

A standard homeowners insurance policy includes four essential types of coverage:

2. Coverage for your personal belongings . Your furniture, clothing, sports equipment and other personal items are covered if they are stolen or destroyed by a fire, hurricane or other disaster stipulated in the policy. Most companies provide coverage of between 50% and 70% of the amount of insurance you have for the structure of your property. So if you have a $ 100,000 premium on your insurance for the structure of your property, you would have between $ 50,000 and $ 70,000 of coverage for your belongings. The best way to determine if you have sufficient protection is through an inventory.

This part of your policy includes protection for your personal belongings when they are away from home (off-premises). This means that if you decide to have this type of coverage, your belongings are covered anywhere in the world. Some companies limit the amount to 10% of the total insurance you have for your possessions. In addition, you have coverage of up to $ 500 for charges that you had to pay for fraudulent use that could be a victim for you and your credit cards.

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