This is BS.I would never sell a renters policy with 2K worth of theft coverage.On a DP-1 which is what I assume you have, Unless you asked for reduced coverage you should be covered up to the total amount of contents coverage provided on the policy for theft.Silver (3/2/2010)So after talking with my mom I found out more info on the insurance deal.
My aunt is my landlord, and the deal is that they only gave us 2k worth of theft recovery on our policy, which is not even a quarter of our stuff. So that's the deal there.
The insurance company is Universal insurance, and the adjuster that came out there said that we had to have pictures and proof of everything (before we found out that we only had 2k worth of coverage), and that if we didnt have a picture/receipt/box then they wouldn't be giving us any money for it. So I HIGHLY reccommend to everyone that they take pictures of all of their stuff!
@badfishermen It happened between 5:30 and 8:30, and they busted in my back kitchen window, opened my sliding glass door and came in. They didn't vandalize my house at all, but they were bold enough to walk out the front door with a whole entertainment center full of stuff. The police tried fingerprinting but all they got was a partial print from a gardening glove.
@nextstep We installed a full alarm system yesterday so this won't happen to us again, not that i've got anything for them to take :/
Thanks everyone for all of their help and well wishings, i really appreciate it!
Fishhound (3/2/2010)I am sorry for your loss. I hate a thief. I hope they catch them and cut off their hands.
Now, Silver, not to be mean but it could have saved a lot of people a lot of time trying to give you good advice if you would have provided all of the correct information about the burglary and the insurance in the first place. You probably don't have renter's insurance because the renter pays for that and you would know it. Your aunt is probably claiming it under her homeowner's insurance that has a high deductible. And yep, you always have to prove that you owned something before you can claim that it was stolen.
Also, something else isn't quite right here. I'm sure the LEOs are looking into it but, don't you think it real strange that only the renter's area was burglarized and not the main house? If after breaking into the renter's area they discovered that much electronics, first greedy inpulse is to bust the main house for a heck of a lot more of the good stuff. But it didn't happen. I'm guessing that someone "real close" to you knew the electronics was there and either took or a friend of his took it. Best friends and girlfriends are ideal people of interest, and the perp may even be closer than that.
Good luck with finding the slimey b---t---ds!
To me, it sounds like he is renting a house from his aunt. The house that he is renting got broken into. Stuff that belonged to both him and his roommate was stolen from the house that he is renting from his aunt. He has been talking to his mom (his landlords sister or sister-in-law) about the situation to figure out what is going on with the homeowners insurance that his aunt has on the house that he is renting from her....Fishhound (3/2/2010)This picture keeps changing its focus.
I'm really confused now. So the thieves did break into your mom's house, as well as your rental, correct?
And the list of stolen merchandise, was a list that included your stuff, your roommates stuff, and stuff stolen from your mom's house, correct? Who lost the bulk of the goods? Mom, you, or roommate? Was anything other than electronics taken?
And the policy of insurance is a basic homeowners, or does it have a renter's rider?
Now coming into focus; your roommate is also your girlfriend or your best friend, correct?