jen_cook6 asked:
I lost my $400 camera is there a way I can report to my homeowners insurance to get reimbursed for it?
I lost my $400 camera is there a way I can report to my homeowners insurance to get reimbursed for it?
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{ 6 comments… read them below or add one }
If it was not stolen from your home, it wouldn’t qualify. and your deductible is probably over $400.
Regardless of your deductible, losing something isn’t a covered peril. It would be if you scheduled your camera but I’m sure you didn’t do that…
Unless you have the camera scheduled on your policy to cover loss by misplacing OR if you have an HO-5 form, then it’s not covered so don’t report it — even if they don’t pay the claim your rates could go up, and is it really worth it for what the camera is worth? You would still have to pay the deductible, which is probably $500 anyway, and at minimum $250.
was in a specified item or do you have a policy that includes/excludes such items
Sure you can report it, but it’s not covered unless you “scheduled” it seperately, and paid additional premium just for the camera.
Reporting even an uncovered claim can count against you.
Also, keep your deductible in mind.
You can, and it could be covered under mysterious disappearance. However, your deductible would apply ($400 – deductible = not a lot of money), and you might only have cash value coverage for your property, so this would be even less. And you could lose any loss free discounts that you currently have, might get in the future.
It won’t be worth filing the claim.