Does Auto Insurance Cover Theft Of Personal Items?

It is important when filing an insurance claim that you know who to call. So let’s say someone breaks into your car while it’s parked at your job, and they steal a few items you had in the backseat. Will your auto policy with Atzenhoffer Insurance Agency cover that?

When it comes to personal belongings, the coverage actually falls to your home insurance provider. Even if your items were stolen or damaged while in your car or at a friend’s house. The home insurance policy covers your possessions whether they’re in the home or outside of it, just so long as you didn’t leave them lying around where just anyone could grab them.

Personal belongings in the car are covered in some instances, but the general rule is that if it’s not bolted down, it’s the home insurer’s problem. A car stereo, for instance, would be covered by your auto insurance. But a boom box sitting in the passenger seat would be covered by your home insurance.

Not all insurance policies are the same, and some auto insurance providers may cover certain belongings in the vehicle. In RV insurance, for instance, you might have some protection for items in the vehicle. But by and large, anything that you can remove from the car without popping the hood or opening the toolbox, your home insurance provider will cover it.

If you have any questions about auto insurance in Victoria, TX, or you’re looking to get covered, call Atzenhoffer Insurance Agency. Atzenhoffer Insurance Agency is here to provide Victoria, TX drivers with great deals on the auto insurance policies they need.