People leave stuff in their cars every day. We drop our cell phones in the cup holder, leave a bag on the floor, and throw our golf clubs in the back seat. We’re human, so we forget about this, park, and go inside. It happens. Sometimes, when we return to our cars, the stuff we left isn’t where we left them.

Does insurance cover this type of claim? If so, is it your homeowner’s or auto insurance policy?

Some homeowners’ insurance policies treat your car as an extension of your house. That means your personal property coverage would protect almost anything (purses, luggage, camera equipment, electronics…all kinds of things) stolen from your car. This coverage may even be better than what comprehensive car insurance offers! For instance, did you know comprehensive coverage usually doesn’t cover jewelry, clothing, and accessories in your car?

Remember that any claim would be subject to a deductible (most likely $500 or $1,000).
If you have additional questions, please feel free to contact our office.