First and foremost, what dictates coverage is the policy language itself. Your renters insurance in Fairfax likely has phrasing to the effect of “cover your personal property anywhere in the world.” That means that if you are an insured (named insured, spouse, or resident relatives all are generally considered to be insureds) and you have personal property, it’s covered regardless of where you are. That bodes well for the question, but let’s dig a bit deeper.
What if something is stolen from your car? Perhaps you forgot your phone in your car and it was in the center console, but this is just not your lucky day and it’s stolen from your car at the parking lot at your office in Washington. Do you have coverage? Probably, as long as you used reasonable care. If you locked the vehicle, and didn’t leave the phone in plain sight, you likely have coverage. If you accidentally left it in plain sight, you probably have coverage, though due care comes into play. It’s your responsibility to take the actions that a reasonable person would take in order to protect your property.
On the other hand, if you’re mugged, you can and should hand over the phone. A reasonable person would hand over whatever the person with a weapon wanted in order to preserve their lives. That’s standard and well understood, and the fact that you willingly gave up what was asked for by a criminal would not be likely to impact coverage, because that’s the expectation. You have Fairfax renters insurance – let the thief have what they want, and then let your policy replace it. That’s what it’s there for. Your policy can’t replace you if you give the mugger a hard time, however – keep that in mind.
If it’s business personal property, such as a work laptop that goes back and forth between home and office with you, there are often sublimits in the policy for business personal property in your care. Sometimes there are further clarifications with regards to business personal property that belongs to the government, but that varies state by state.
If you work in Washington, DC and have Fairfax renters insurance and you suffer a loss while you’re away from home, your coverage travels with you subject to the terms and conditions of your policy. It’s as simple as that. To find out more, or to get protected today, just call (800)892-4308 or click to get covered - whether you need Fairfax renters insurance quotes online or coverage anywhere else!
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