Yes. Most renters policies include off-premises coverage, which protects your belongings almost anywhere, not just inside your unit.
What it covers
- A laptop stolen from a coffee shop
- Luggage taken on vacation
- Items stolen from your car (the contents, not the car itself)
- Gear taken from a gym locker
The fine print
- Off-premises limits are often capped at 10% of your total personal-property coverage.
- High-value items like jewelry, cameras, and electronics may have sub-limits.
- Your deductible still applies.
Tip
For expensive portable items, ask about scheduled personal property, a rider that insures specific items for their full value with no deductible. File a police report for any theft to support your claim.