Renters' Insurance Claim - Compass Wanted.
September 18, 2011 6:51 PM Subscribe
Our family's four bikes were stolen ! BOO ! We have renters insurance, Yay? Do you have any tips for navigating a successful renters insurance claim for bicycles?
posted by duckus to home & garden (7 answers total) 1 user marked this as a favorite
Our two daughters' bikes (one pretty high-end) and my two bikes (a high-end cyclocross and another 'fitness bike') were stolen out of an enclosed storage area next to our house. All together, we're looking at around $3K worth of bike. We were all extremely sad about this and it would be FANTASTIC if our renters' insurance covered it.
When I was pricing it, I had specifically asked if it would cover my bike if it was stolen off our property and was told yes. But I am paranoid and my kids would be really disappointed if we couldn't replace the nice bikes they had. I also have general mistrust around insurance companies' happy willingness to fork over cash.
I've filed a police report online with Oakland PD and have submitted a claim online with Farmers. I'm planning on calling them tomorrow if I don't hear from them. I'm just looking for any insight about what to say about the situation to help make sure we get it covered. I also have not provided my insurance company with any inventory of my bikes or my personal property. Does that mean they'll tell me to go fly?
Thanks for any insight