I recently moved into my own place for the first time, which came with a few surprises that had me frantically googling things like “does renters insurance cover sex toys?”—because who doesn’t want to make sure that all their intimate pleasure items are protected? After doing some research, I learned that generally, renters insurance does not provide coverage for sex toys, and it really bums me out.
Although I do have renter’s insurance, I found out the hard way that it doesn’t cover a basic thing like sex toys, even if they aren’t taken out of the home. I lost a few toys that I had spent a bit of money on, so I’m a bit more cautious about stocking my bedroom full of things. The frustation of having to pay out of pocket to replace the toys I lost, taught me an important lesson about the value of renter’s insurance.
It’s interesting to me that sex toys can be more expensive than other objects in the home. To be fair, it’s not like I dropped a few hundred dollars on some vibrators—just a dozen or so. However, when mom baits and hooks cost more than a couple of dildos, something is seriously wrong with the world.
So, it appears that renter’s insurance isn’t the best option if you want to make sure your sex toys are covered. Thankfully, there are other ways to protect your investments. One way to keep your stuff safe without taking out any extra policies is to invest in a locking case. This could be a simple box with a padlock, or you could buy something more complicated, like a safe with a fingerprint reader or code combination.
The point I’m trying to make is that, if you’re worried about your precious toys, it’s important to do a bit of research to make sure your investments are protected. Another useful tip is to avoid any cheap, low-quality toys that might be more likely to break easily. A quality toy might cost you a bit more upfront, but it’ll save you money in the long run.
I hear some people are actually able to add a rider to their insurance policy to cover their sex toys, but it’s important to read the fine print. Some insurance companies don’t allow you to add any kind of rider for personal items, so you should call your insurer to ask about any limitations.
Furthermore, if you’re worried about your privacy when it comes to insurance claims, you can generally either pay out of pocket to replace the items or get your own rider that would keep your purchases private. This would help ensure that no friends or family have to know about your naughty toys.
As a result of looking into renter’s insurance, I now understand a bit more about how to best protect my nice sex toys. Having to pay out of pocket for these items was annoying, but I’m thankful that I now know about ways to protect my investments. While I just scratched the surface here, there’s always more to learn!