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5 votes
5 votes
Keisha is renting a one-bedroom apartment but allows her best friend to move in and pay $200 per month to sleep on the couch for the summer while she is between jobs. The apartment is burglarized one afternoon when they are both out, and the thief steals both of their laptops, Keisha’s TV, and her best friend’s wireless headphones. What will the insurance company cover?

a. None of these items
b. Keisha’s laptop and TV only
c. Keisha’s laptop and TV and 10% of the cost of her friend’s laptop and headphones
d. Keisha’s laptop and TV and her friend’s laptop and headphones

User Kiril Kirov
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2 Answers

23 votes
23 votes

Final answer:

Generally, Keisha's renter's insurance would cover her personal belongings, which include her laptop and TV. Her friend's belongings would not be covered unless she was specifically added to the policy or had her own insurance.

Step-by-step explanation:

The specifics of what an insurance company will cover in the event of a burglary depend on the terms of the insurance policy. In most cases, a renter's insurance policy (which is what Keisha would likely have for her apartment) covers the personal property of the policyholder. This typically includes items such as electronics and personal items like a TV, laptop, etc. However, the personal belongings of someone who is not named in the policy, such as a friend staying temporarily, are not usually covered under the standard policy terms. Therefore, the insurance would typically cover Keisha's laptop and TV only.

If Keisha had added her best friend to the policy or had a policy with coverage for guests' belongings, then her friend's items could also be covered. Without that, her friend would need to have her own insurance (such as renter's or personal property insurance) to get coverage for her stolen laptop and headphones.

User Erdinc Ay
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3.0k points
16 votes
16 votes

Answer:

It would be A. None of these items.

Step-by-step explanation:

Insurance would never cover a TV, headphones, and two laptops.

User Quapka
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2.8k points