November 21, 2016

We have a vandalism loss to a home that is foreclosed and theft of a range and a fridge. We feel that the theft is not covered as the appliances could be considered personal property as they were not permanently attached to the home. The fridge was connected to the water line and the range was connected to the gas line, but both are movable property. The policy specifically excludes personal property but does not mention appliances or fixtures. Do you feel these items would be covered under this policy? Vandalism and theft are covered perils so the question is related to the appliances alone.

Foreclosed Building Coverage

1. Foreclosed” buildings at the location described on the Declarations for which a Limit Of Insurance is shown. This includes:

a.  Detached garages, storage sheds and other structures at the described location;