If your belongings were stolen while outside the home, such as in a storage unit or a vehicle, your renters insurance policy should still cover it up to your coverage limits.
Does Renters Insurance Cover Theft Outside the Home? Typically, you have to pay a deductible (amount of expenses out of pocket) before you can file a theft claim and have your insurance kick in. There are also some exceptions, such as if the theft was perpetrated by a roommate, in which case your stolen property will not be covered. Theft is different from fraudulent sales transactions, so note that if you get scammed, renters insurance will not typically cover anything. If something you own is stolen, you will be covered (up to your specified coverage limits).
Renters insurance policies are usually meant to protect your personal belongings from damages as well as theft.
