Can renter make claim against homeowners insurance for theft?

Answer 1

Without seeing your policy, it is difficult to answer with certainty.

However, when you are renting, by definition, you do not own the premises. Therefore a renter's policy covers primarily contents. Consequently, subject to the terms and conditions of the policy, a theft claim should be allowed.

Be aware that if theft is claimed, the insurer will conduct an investigation to determine that you in fact owned the property, that you were not complicit in the loss, and as to the value of the property. Note also, that it may or may not make sense to make a claim depending upon the amount of your deductible. That is, it may not make sense if the value of the item is only marginally greater than the deductible. It would make no sense if the deductible is greater than the value of the item.