Two sets of golf clubs are stolen from Tommy's car while visiting; which policy covers Chris' clubs?

Two sets of golf clubs are stolen from Tommy's car while visiting; which policy covers Chris' clubs?

• A. Tommy's HO
• B. Tommy's auto
• C. Chris' auto
• D. Chris' HO

Answer: (D)

The key idea is that personal property owned by an insured is typically covered by that insured’s homeowners policy even when it’s away from home, such as in someone else’s car. In this scenario, the golf clubs belong to Chris, so his homeowners policy provides coverage for their theft from Tommy’s car while visiting. Auto policies generally don’t cover personal belongings inside a borrowed car unless there’s a specific endorsement, and Tommy’s homeowners policy wouldn’t cover Chris’s property because it isn’t Tommy’s. So the loss would be handled under Chris’s homeowners policy.

The key idea is that personal property owned by an insured is typically covered by that insured’s homeowners policy even when it’s away from home, such as in someone else’s car. In this scenario, the golf clubs belong to Chris, so his homeowners policy provides coverage for their theft from Tommy’s car while visiting. Auto policies generally don’t cover personal belongings inside a borrowed car unless there’s a specific endorsement, and Tommy’s homeowners policy wouldn’t cover Chris’s property because it isn’t Tommy’s. So the loss would be handled under Chris’s homeowners policy.