Personal Finance.

Will insurance cover furniture stolen from investment property I was selling?

My furniture was stolen from a rental house I was selling. The insurance company will not cover my 50K loss because it was a rental. They say I dropped contents coverage, but i wouldn’t have done that on my own. Since I moved the furniture in there from my primary home to help the rental sell, I tried a claim on my primary home under the off-site clause. This was denied because the furniture wasn’t in transit. Any recourse here?” in Yahoo! Answers

Based on your description of the situation, it seems to me that you previously lived in this property and then turned it into a rental?

I ask that question because it sounds like you possibly had it insured under a Homeowners policy. A Homeowners policy is only designed to cover owner-occupied dwellings (and their contents); however, if you moved out of the home and rented it out (without telling your insurance company), most Homeowners policies have a clause which allows the company to reduce your coverage to a specified amount (typically 50% of the original property coverage) and remove contents coverage if the home is no longer owner occupied. Some would just cancel your Homeowners policy flat out and force you to rewrite it as a Dwelling Fire policy.

Bottom line, though — if you had a Dwelling Fire policy on it, you would have had to specifically include separate coverage for your own contents (I usually recommend this to at least cover appliances, but also furniture if you’ve got your own inside the unit.) If you never added it, there’s no coverage — period. Still, my guess would be that it’s unlikely you would ever have paid the additional premium for $50k in contents coverage on a rental unit. (I could be wrong, of course.)

As with most things involving insurance, it’s going to come down to the details. If they dropped the coverage for contents as a matter of course since the home was no longer occupied, there’s really not a single thing you can do. (You agreed to the contract — including the clause — when you signed the policy application.) However, if you had it insured under a Dwelling Fire contract, requested contents coverage, and the contents coverage was removed, the insurance company should have documentation of when and why that coverage was removed (even if it’s just a note in the file to say that X called and requested it be removed.) Sometimes these things ARE done in error. But you’re more likely to get someone’s assistance in clearing up the matter by asking nicely than accusing them of being incompetent jerks.

Also, as a general rule, it’s much better to be honest with your insurance company about the situation up front than to find out later that you’ve screwed yourself — and somehow, that’s the insurance company’s fault.

Good luck.

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