Are items borrowed from me still covered by my renters insurance?

Whether items borrowed from you are covered by your renters insurance will depend on the specific terms and conditions of your policy. In general, renters insurance policies cover your personal property, which includes items that you own and use regularly. The policy will typically cover your personal property against damage or loss due to covered events such as fire, theft, or vandalism. However, the policy may not cover items that are borrowed from others, as these items may not be considered part of your personal property. Some renters insurance policies may provide limited coverage for borrowed items, but it is important to review your policy carefully to determine the extent of the coverage. If the borrowed item is worth a significant amount of money, it may be a good idea to obtain additional coverage or to have the borrower obtain their own insurance for the item. It's also important to note that if you borrow an item from someone else and it is damaged while in your possession, the owner's insurance policy may cover the damage. In this case, you would not need to file a claim with your own renters insurance policy. In summary, whether items borrowed from you are covered by your renters insurance will depend on the specific terms and conditions of your policy. While some policies may provide limited coverage for borrowed items, it is important to review your policy carefully and consider obtaining additional coverage if necessary. If you borrow an item from someone else and it is damaged while in your possession, the owner's insurance policy may cover the damage.