When you have your things stolen from your home, it may seem straightforward to file an insurance claim with your carrier. But when it comes to your home insurance policy, not all policies cover stolen property. If you know that your policy does cover stolen property though, you may wonder if it’s possible to cover loss even if your home wasn’t broken into. If you live in Albany, NY and want to know more, DeNooyer Direct Insurance Services LLC is here to help.
Your Insurance Policy May Cover Theft from Your Car
Your home insurance policy doesn’t just cover the contents of the home, it also covers your general possessions (regardless of where they are). However, there is a fee cap for off-premise theft and the deductible still applies. So let’s say you have a policy that covers up to $100,000 of your property. If your car is broken into, you may receive up to $10,000 for any possessions taken from your vehicle. Plus, you’ll still need to factor in the deductible as well.
How It Works
Let’s say you do all of your Christmas shopping in one fell swoop at the mall. You pile all your bags into the car but then remember you need to run back in. If someone takes all of your bags, you’ll likely benefit from filing a claim to cover the majority of your shopping. However, if your deductible is $1,000 and your laptop is taken from your car, you’re unlikely to recoup any of the costs (unless the price of your used laptop totals more than $1,000).
If you want to learn more about your home insurance options in Albany, NY, call DeNooyer Direct Insurance Services LLC today to talk to our friendly staff!