What if someone else's things get stolen on my property?

Question

My girlfriend was staying at my families house for a couple days and we were packing to leave for vacation when someone stole her duffel bag with over $1,000 in things. We are insured with USAA, do they cover her losses or does she have to file with her own family?

Answer 1

Since her belongings are not yours, she has to file on her own policy, or her parents, if she still lives with them.

Usually, homeowners policies will cover up to $1000 to $5000 for personal property away from the insured premises.

Was there a police report? If not, have her file one for the record and insurance requirements.

Answer 2

No, she has to file under her own homeowners, or her parent's homeowners policy.