Does Insurance Cover Mysterious Disappearance?

A mysterious disappearance clause excludes coverage for a lost item if the cause of the loss cannot be explained.
Insurance policies don’t offer blanket protection for lost property.
Even when insurers pay a claim, policyholders aren’t covered for the full cost of replacing an item.
Sub-limits may apply.
Homeowners and renters insurance claims related to a “mysterious disappearance” increased on Halloween and Mischief Night.
But insurers don’t offer general protection for lost property.
Some policies deny payment in cases of “mysterious disappearance”.
Personal property policies include some coverage for personal belongings in cases of vandalism or theft.

If your policy doesn’t have this clause, it covers against mysterious disappearance up to stated limits.
Most homeowners policies cover jewelry only for theft or mysterious disappearance.
Personal property policies can insure jewelry or electronics, usually $1,000 to $2,000.
You can add a floater or rider that covers a specific named item.

Scheduled policies cover accidental loss and damage with $0 deductibles on claims for scheduled property.
Loss of use coverage can help pay reasonable housing costs if a covered event makes your house temporarily uninhabitable.
Jewelry insurance offers a solution to replace items lost through mysterious disappearance.

Some policies have denial of payment clauses for “mysterious disappearances” to prevent fraud.
Be mindful of exclusions and policy coverage specifics.