If i take renters insurance today, will it cover an item i just lost?

This post has 12 comments

• 
  boatworker
  April 24th, 2009

  Only if you lie good

• 
  MSLETY
  April 26th, 2009

  No ,but once you’re covered if you purchase another and its stolen from your apartment or rent house they will cover it.

• 
  Renate
  April 27th, 2009

  No, it will only cover something stolen from you after the exact hour and minute the insurance takes effect. They will check the police report and it will have a time on the report.

• 
  Jennifer
  April 30th, 2009

  no you should had insurance before it got stolen

• 
  jero
  May 3rd, 2009

  that’s called fraud.

• 
  Bob S
  May 6th, 2009

  Did you already report the theft (get a police report)? Your going to need to show that you reported the theft when you make a claim. BTW, don’t advertise if your not ready to sell.

• 
  Robin
  May 8th, 2009

  You poor thing, not everyone knows about renters insurance. Like the first person said, if you are a good liar, but if you already filed a police report there is nothing you can do. Plus a brand new insurance company would prob. investigate if something was reported so quickly. That means they could possibly talk to the landlord, and you told him already too right?
  I do not think where you are there is anything you can do other than go get renters insurance for any future mishaps. It is only like $12 bucks a month. I answered one of your questions b4.
  I hope you are OK, a person can feel very violated and vulnerable when they are robbed!

• 
  bfriedemanns
  May 10th, 2009

  No. They are smarter than that. You were suppose to have the insurance first and be paying into it. It is unusual that car insurance won’t cover it(but I guess that is because it is not part of the car)

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  Chris B
  May 13th, 2009

  Sure,and long as you lie to your insurance agent. And don’t get caught

• 
  BuddyL
  May 16th, 2009

  No insurance in the world is retroactive, unless you lie about the claim. And claims filed within a couple months of the start of the policy will be vigorously investigated. Don’t think nobody’s ever thought of it before. Fraudulent claims cost the insurance industry plenty, and are a big part of why insurance is so expensive for the rest of us. Insurance investigators have so many tricks to find the frauds, even if you’d take out a policy today and file a legitimate claim a year from now, They’ll probably discover that you’d asked about it on Yahoo Answers, and use that as evidence in their denial of your claim.

  One of the cardinal rules of getting away with a crime: keep your mouth shut!

• 
  david536259
  May 19th, 2009

  I think that’s called insurance fraud - which is a criminal offence.

• 
  mountainriley
  May 22nd, 2009

  Boy your persistant arn’t you. Yea have a car wreck and go get insurance to have it fixed. Just as I said about your landlord. Watch your insurance man laugh till he wets his pants. If you fail to tell him until days later, that is insurance fraud. If you get caught, he will nail you to the wall.

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