Is Property in My Car Covered for Theft by My Home Insurance Policy?

Is Property in My Car Covered for Theft by My Home Insurance Policy?

Is Property in My Car Covered for Theft by My Home Insurance Policy?

Keep this is mind when traveling with your belongings:

  • Items stolen from your vehicle could be covered by your home insurance policy.
  • Your auto insurance covers any damage to the car itself.
  • Mobile devices and electronic are especially vulnerable to theft. 
  • The risk of loss is usually greater during long-distance travel. 

Question I spend a lot of time in my car on workdays, going to appointments and running errands. I always take my briefcase and phone with me and sometimes a computer, too. If someone steals something out of my car, does my home or auto insurance cover it?

Theresa Simes is a Farmers Insurance® agent in Fountain Valley, California. She explains how insurance works in cases of theft from a vehicle.

Answer It might seem reasonable that your auto policy covers theft from your vehicle — but it’s actually your home insurance that would cover the loss. Auto insurance covers damage to your vehicle only. This is another reason you may want to make sure you have enough coverage for personal property on your home policy.

Think of all things you take with you when traveling by car. One customer recently had two laptops, a phone and a watch stolen from his car. These are everyday items for most people, but their value really adds up. The cost to replace them was $20,000 — imagine having to pay that out of pocket! The loss was covered by his home policy.

Your risk is even greater when you’re moving or on vacation. The more stuff you take with you, the more you stand to lose. If you don’t own a home, you can get coverage for your belongings with a renters policy.

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