Renters insurance for simis?

The stuff you carry on the road with you may be covered by your renter's insurance policy for your apartment. If not, you can probably get an endorsement for a very small additional price that will extend the coverage. If not, shop around for a different policy.

 

What are you carrying that is so valuable?? I can replace everything inside my truck for $500

 

My boots cost $500.

 

Check your policy. Mine states " in transit " so covers personal posessions in the big um truck.

 

If you as of now rent an apartment, and do not have renters insurance, git you some, and you should be protected. All the years I was on the road, and even my local gig now, I worry not. I only gift wrap items I WANT to have stolen from my truck.

 

If you're not a renter or homeowner, you may be able to buy the same "renters insurance" available to those who rent a storage unit, but I have a feeling it won't cover items stolen from a vehicle but you might check into this.

If you don't have a home/apartment, you might be just as well off to claim yourself as a "renter" and provide the address of a parent or other relative as your rental location and get traditional renters insurance which should cover items stolen or burned up in a vehicle.

 

Are you an owner or driver for a company?

If you are an owner, check with your insurance company.

If you are a driver (employee) for a company, talk to them about riders for personal possessions.

 

Stuff destroyed in an accident would be covered by the trucks insurance. A break in and theft may be a little different. You can add insurance to cover anything but if it's not your truck that may be a weird policy to write. I'd just talk to an ins co that is familiar with trucks and they'll probably know what to do. Also, remember depending on what you have on the truck deductables may make it worth never filing a claim unless everything you had was gone at once.

 

I think in the end, he will find it tough to get renters insurance or any other kind, to cover his belongings in the truck. He would have to prove it was stolen. He would have to have a police report, and that would mean going back to the state, city, town in due time to pick up a copy. What trucking company is going to facilitate his request for that?

I had a few very good friends that wanted to buy insurance coverage for thier mechanics tools at thier garage, that was owned by someone else. each was told that basically the insurance company would have no idea that any one of those guys didn't take a few things home when the break-in/theft took place, leading to an "inside job". I also have a very good friend, that sent his 2 sons to college in Boston. The apartment they rented was actually covered by the dad's home insurance, and as such, did not need renters insurance, since in this instance, both son's were away at college, and dad was paying for thier tuition, as they still had the family home as a second residence. Then one day someone stole a bike from one son. The dad's homeowners insurance paid for a new bike.

If someone is taking along more than say $500 in personal belongings, including clothing, boots, cb radio, and a gps, the deductible alone would not be met for the insurance to pay out, as they would depreciate nearly every thing. No one gets FULL value for used items, let's get real about that too.

Just go and work. If someone breaks into the truck and cleans you out, hope that they take the garbage as well, just make sure it is gift wrapped. No trucking company will take any responsibility for one's belonging's, they are NOT obligated to do so.