DAILY FIQH
Question: A lady borrowed jewellery from a family member to use for a wedding. The night before the wedding she experienced a burglary and the jewellery got stolen. Is she responsible?
Answer: The status of a borrowed item in the hands of the borrower is like a trust: if it perishes without transgression then there is no liability on the borrower. Therefore, if the lady had stored the jewellery in a place of safekeeping in her home when the burglary took place - she will not be responsible to pay compensation to the owner. However if there was negligence on her behalf she will be responsible.
والعارية أمانة ؛ ان هلكت من غير تعد لم يضمن شيء ( اللباب في شرح الكتاب ج٢/١١٥)
And Allah Knows Best
Yusuf Moosagie