Does My Renters Insurance Cover Theft? 
Talk to your Insurance professional , but in most cases , modern Renters Insurance Policies do include theft as a covered peril , yes . Now , there may be policy limits included that you need to know about . In some cases , companies can settle covered theft losses on certain things , like camera equipment for example , based upon a stated `` inside limit '' listed on your policy 's declaration sheet . Further , your personal property may be covered outside your home -LRB- while on vacation or in your car as two examples -RRB- but only up to a stated maximum of 10 % of the total Personal Property coverage amount . 