Theft by a guest and insurance
by Vero
I've have been insured with the same company for years... Last year my dad's gf lost her apartment (dad lives with us). Her stuff was moved in about 2 months before she showed up. She lived with us for a few months because she was hurt and on an IV, but never had independent access (no keys or alarm codes), and was never left in the house by herself. After Christmas when she was mobile again, she became more erratic, and was gone more often than she was here, and stopped coming over in mid-February. In May, I discovered that almost all of my jewelry was stolen, as well as a few electronics (psp, ipod. It was stuff that I hadn't worn a lot, but it meant a lot to me. Theft by and Guest and Insurance CoverageHi Vero, This is a tough one. It really depends on the exact circumstances and the exact policy wordings. It could be that the girlfriend was considered a common-law spouse and was therefore insured on the policy. Theft by an insured would be excluded. There are other possibilities including that the policy definition of theft states that theft by a guest is not covered. The policy wordings must be carefully reviewed to see if the decision is correct. Perhaps a lawyer should be hired. -- Ask another question at House Insurance Questions and Answers Note: Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind. This insurance information is general in nature and the policy wordings always take precedence. Make sure you review the "please read" page. OR visit Canada Home Insurance |