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Theft of personal items from my car & car insurance:

It’s 8:00AM and you walk outside to leave for work and discover that your window has been broken & many personal items are stolen. In the early morning hours, thieves managed to steal your laptop, and a gym bag containing, clothes, your AirPods, and other personal items. Before you call and file a claim on your car insurance policy, you should understand it’s not the policy that is typically going to respond in this situation.

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Car insurance is a necessary expense for any vehicle owner, as it provides financial protection in the event of an accident or damage to the vehicle. However, many people may not realize that car insurance does not typically cover theft of personal items from the vehicle. Instead, coverage for these types of losses would typically apply from your homeowners or renters insurance policy and be subject to that policy’s deductible.

It is important to understand what is covered under your car insurance policy, and what is not. While car insurance may cover damage to the vehicle itself, it may not cover items such as electronics, jewelry, or other personal belongings that are stolen from the vehicle. This is where homeowners or renters insurance comes into play. These types of policies typically include coverage for personal property, and generally also include coverage for theft of personal items from a vehicle.

It’s a good idea to review your insurance policies and ensure that you have the coverage you need to protect yourself and your belongings. If you are unsure about your coverage, be sure to contact your insurance agent and ask questions. They will be able to provide you with the information you need to make an informed decision.

It’s also a good idea to take steps to prevent theft of personal items from your vehicle, such as keeping valuables out of sight, parking in well-lit areas, and installing a car alarm. However, it’s always a good idea to have the proper coverage in case the worst happens. By having a clear understanding of your car insurance and homeowners or renters insurance policies, you can ensure that you are protected in the event of a loss.

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