Does homeowners insurance cover a company property?
My daughter (a minor) is staying beside a friend at the friend's parents house. My daughters laptop concluded up missing (coincidently while they be have a bit of an argumeent) while staying within and am wondering if this something that may be covered beneath the friends parents homeowners insurance?
Answers:
Yes - the homeowner's insurance should cover your daughter's missing laptop.
Call the parents and make clear to them that you want them to replace the computer, since it be lost while at their home. If they put up a fuss, afterwards describe them to profile a claim beside their homeowner's insurance. If they still won't, contact YOUR insurance and let somebody know them what's going on - they can work near the other insurance company.
Did you folder a police report when the computer go missing?
No.
If she's YOUR daughter, and justifiably a resident of YOUR household, next YOUR homeowners policy would be the one to cover her "stuff".
However, "disappeared" isn't covered on most homeowners policies. Additionally, near are usually limitations on electronich equipment, AND it would be subject to your deductible.
It would be covered beneath your homeowners policy as your daughter lives near you and is a minor if the computer be stolen. What you utter is that it mysteriously disappeared to be precise not covered. You could sue the parents and I would articulate you would win in small claims court.
Your HO policy would be primary coverage for property, and does provide predetermined coverage for property outside of the home. Depending on the terms, I doubt it covers mysterious disappearance for this, but it is worth reviewing your policy.
Unless you can show that her friend or her friend's parents did something to the laptop, you don't enjoy a bag against them. Just because it be at their house doesn't be set to they are responsible for it's loss. Had they standard custody and control of the laptop, or did your daughter purloin it in that? To place a claim against them or sue them, you will enjoy to show that they be somehow lax contained by watching this laptop, and i.e. what lead to the loss. Since it wasn't their responsibility to examine it, how be it their glitch?
Some Homeowner's policies will, at the request of the insured, cover the uninsured property of others while it is on their premises. So if you own your own Homeowner's/Tenant's/Condo policy, next the loss would be covered below your policy.
If you are not insured and your daughter's friend's parents do not want to report a claim or rate for the loss, you will own to report a lawsuit.
Of course this have to be reported to the police first. If you haven't done this nonetheless later you must do this up to that time file any claim or lawsuit.
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Answers:
Yes - the homeowner's insurance should cover your daughter's missing laptop.
Call the parents and make clear to them that you want them to replace the computer, since it be lost while at their home. If they put up a fuss, afterwards describe them to profile a claim beside their homeowner's insurance. If they still won't, contact YOUR insurance and let somebody know them what's going on - they can work near the other insurance company.
Did you folder a police report when the computer go missing?
No.
If she's YOUR daughter, and justifiably a resident of YOUR household, next YOUR homeowners policy would be the one to cover her "stuff".
However, "disappeared" isn't covered on most homeowners policies. Additionally, near are usually limitations on electronich equipment, AND it would be subject to your deductible.
It would be covered beneath your homeowners policy as your daughter lives near you and is a minor if the computer be stolen. What you utter is that it mysteriously disappeared to be precise not covered. You could sue the parents and I would articulate you would win in small claims court.
Your HO policy would be primary coverage for property, and does provide predetermined coverage for property outside of the home. Depending on the terms, I doubt it covers mysterious disappearance for this, but it is worth reviewing your policy.
Unless you can show that her friend or her friend's parents did something to the laptop, you don't enjoy a bag against them. Just because it be at their house doesn't be set to they are responsible for it's loss. Had they standard custody and control of the laptop, or did your daughter purloin it in that? To place a claim against them or sue them, you will enjoy to show that they be somehow lax contained by watching this laptop, and i.e. what lead to the loss. Since it wasn't their responsibility to examine it, how be it their glitch?
Some Homeowner's policies will, at the request of the insured, cover the uninsured property of others while it is on their premises. So if you own your own Homeowner's/Tenant's/Condo policy, next the loss would be covered below your policy.
If you are not insured and your daughter's friend's parents do not want to report a claim or rate for the loss, you will own to report a lawsuit.
Of course this have to be reported to the police first. If you haven't done this nonetheless later you must do this up to that time file any claim or lawsuit.