When you live in an apartment building or rental, mail is often left unattended. Find out what’s covered if your packages are stolen.

As a renter, it’s common to have larger parcels delivered to your lobby, left outside of your door, or placed on your porch. Unfortunately, this can leave plenty of opportunity for someone to steal your mail or packages.

With renter’s insurance, you’re financially protected for a variety of accidents and theft. So, you may be wondering if your policy also covers stolen items that haven’t quite made it inside your unit or rental home yet.

Read on to learn if insurance for renters offers coverage of stolen packages.

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Does Renter’s Insurance Cover Theft?

In most cases, yes! Your renter’s insurance will likely provide coverage of parcels that were stolen from your building or front door.

For example, APOLLO’s Renter’s Insurance covers you if someone steals your packages after delivery but before you receive them. So, if you’ve ordered a new television from Amazon, and it gets stolen from your lobby or doorstep, you can submit a claim. This can help protect you from having to pay out-of-pocket to replace expensive items like this.

You may also be interested in the following articles about renter’s insurance coverage:

What Else Is Covered by Renter’s Insurance?

Renter’s insurance covers more than just stolen packages. With APOLLO’s Renter’s Insurance, you also have:

  • Personal Property Coverage: Our renter’s insurance protects your personal belongings no matter where they are. Whether they’re in your home, in your car, or with you on vacation, APOLLO’s policy covers your clothing, furniture, and portable electronics. This coverage also includes other items that you may keep on the premises like your bicycle, e-bikes, jewellery, motorized scooters, and more.
  • Personal Liability Coverage: Accidents happen. Our renter’s insurance protects you if you accidentally injure someone or damage their property. For example, if your dishwasher overflows and floods the apartment below, you could be sued for the damage caused. Personal liability coverage helps cover the cost of these types of expenses.
  • Additional Living Expenses: If your home becomes damaged after a loss, and you’re unable to stay there, additional living expenses can cover the extra costs. For example, it includes the cost of temporary accommodation while your home is being repaired.

You can also opt for Special Limits and Additional Coverage. This can help you tailor your policy to your unique needs. For example, you could choose to increase your computer or jewellery coverage. Or you could add coverage for credit card forgery.

What’s Not Covered by Renter’s Insurance?

Coverage that is commonly not provided by renter’s or tenant’s insurance includes:

These are separate policies that you would need to acquire in addition to renter’s insurance. However, if you’re renting your home, you likely won’t need home insurance! That is, unless you also own a separate house or condo.

What to Do If Your Package Is Stolen?

In order to receive payment for your stolen deliveries, you’ll need to file a claim with your insurance company.

Here are two important steps to take if someone steals your mail:

Step 1: Report your stolen items or file a police report.
Step 2: Submit your insurance claim to your provider.

How to file your claim

1. Create a report

Put together a detailed report as soon as possible. Consider including the following information:

  • An account of the incident, such as where your package was stolen from
  • Details of what was stolen, including where you purchased it from and the value
  • Any receipts if you had to replace the stolen item(s) immediately

2. Work with an advisor

Contact your insurance provider and give them the details of the incident, including the report you created. You may also be asked to fill out a Schedule of Loss. This document requires you to list out what’s been taken or damaged.

In the case of a stolen package, you would provide the details of:

  • What was in the parcel or package
  • Where you bought the item(s) from
  • The amount you paid for the item(s)

Related: How does renters insurance claim work

3. Finalize your claim

Lastly, you’ll work with your advisor to confirm the replacement estimation of your stolen package. This is an important step in order to receive payment for your claim.

APOLLO’s Effortless Claims Process

As one of Canada’s leading InsurTechs, APOLLO is on a mission to make insurance effortless. We believe in an insurance process in which computers do the work, so that people can build relationships.

Our advisors are with you throughout your insurance journey, including making a claim.
Here’s how the process works:

Step 1: Event Documentation

Create your report with as many details about the loss as you can. This should include the time it occurred, what was damaged, the cause, and how to prevent further damage.

Step 2: APOLLO Support

Contact us and share your event documentation with our Agency Team by telephone or email at: service@apollocover.com.

Step 3: Claims Submission

APOLLO will submit this information over to our insurance adjusters to open the claim notice, and we will remain actively involved to advocate for you and your claim.

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