Does homeowner's insurance cover items stolen if they belong to someone else?

Possibly.

The policy covers your brother and all other "insureds" in his household. The answer to this question lies in determining whether or not you are an insured on his policy. The definition of an insured is under Section I, Definitions.

If you live with your brother, or if you are a minor (or college student) that he is responsible for, the answer is most likely yes.

Another situation in which your property could be covered under his policy is if you were visiting him, and during the visit his home was broken into. In that situation, your brother could choose to have your belongings replaced while he is having his replaced.

The first thing to do is to determine whether or not you are an insured. Next, the two of you should discuss if the value of the stolen property will be worth filing the claim. For example, if you had $750 of property stolen and your brother's policy has a $500 deductible, he may not want a $250 theft claim on his claims history report.