Recently, Roberta from Portland, Oregon sent us a question;
Does renters insurance cover items lost or stolen at the airport? Does my policy cover my stuff if it’s not in my home? If not, what protects my stuff while I’m away on vacation?
Well Roberta, we’re so glad you asked! We get this kind of question a lot, and it’s a good one!
Does Renters Insurance Cover Items Lost Or Stolen At The Airport?
Yes! Renters insurance is designed to offer you protection for your belongings, and that coverage doesn’t change just because you are traveling. Let’s say you went on vacation to Aruba and brought a large suitcase with you. You’ve finally deplaned and rolled up to the luggage terminal. Suitcase after suitcase comes by– everyone else’s but yours. Slowly the baggage terminal empties out and yours is nowhere in sight! What do you do?
First of all, don’t panic. Airlines lose less luggage nowadays than they used to in the past, and only about 6 bags for every thousand people are misplaced. Your bag may not even be lost– it could be delayed by a few hours or a few days. An inconvenience, for sure, but better than having to replace all of your luggage!
What do I do if My Luggage is Stolen?
If your luggage is indeed stolen, make sure to file a claim with the airport right away. They scan and track every bag as they are loaded onto the plane, so they should be able to track down your luggage some way.
And just like it’s a good idea to take an inventory of your valuables, it’s also a good idea to do this on a smaller scale when traveling–keep a list of valuables in the rare case your luggage is lost. It may be worth it if you are traveling with many items of value.
Make sure you call your insurance company right away to start your claim when your baggage is indeed lost. Being far from home without any of your things is hard enough–you don’t want to wait around forever to get your claim paid. If you have any questions about your policy, just call (800)892-4308 or click to get covered - whether you need renters insurance quotes online or coverage anywhere else!
Effective Coverage offers the nation's only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.