Someone Broke Into My Car and Stole Personal Items; Is It Covered By My Auto Insurance?

Today we’d like to answer a question we hear all the time - “Are my personal belongings covered if someone breaks into my car?”

Unfortunately, they typically are NOT covered!  Your auto insurance covers your car from damage and accidents, but not the items left inside from theft.

This happens a lot during the holidays, when people are out shopping and put gifts in their car between stops. Thieves roam parking lots and parking garages, knowing that busy shoppers often leave their just-purchased gifts in their car. Many times the result is a broken windshield and stolen items.

There are still ways to protect yourself.  

First, and most obvious, is to avoid keeping expensive items in your car in the first place.  This includes things like your laptop, iPad, and any new gifts. Also, if you're not taking your purse with you, hide it in a locked trunk or some other out-of-sight area.  You're just asking for someone to break into your car when you have nice things (or money and credit cards) on display, and it only takes seconds for them to get them!

If you’re out shopping, always keep your doors locked and hide items away in the trunk.  

But this isn’t always possible; some vehicles don't have trunks and, in other cases, some items are too large to fit in the trunk.  So you also want to make sure you’re covered by carrying renters or homeowners insurance for your personal belongings.  These policies include a certain amount of coverage for property off premises.  These are subject to your deductible, so make sure to discuss this with your SAV-ON agent to see what kind of coverage you currently have. 

With a little bit of prevention and good insurance, you’ve won’t have to worry about items being stolen from your car.  Have questions?  Give SAV-On a call at 888-867-2866 to discuss them anytime!  

Why You Need Renters Insurance

If you are just moving into a new apartment, or already renting a home or apartment and don't have renters insurance, it’s time to learn more about it!

Homeowners insurance covers the house itself and the items inside.  But if you don’t own the home, you don’t need insurance to cover it.  All you need is coverage for your actual personal belongings.

It might not seem like a lot, but all those little items add up!  When you think about the cost to replace your furniture, dishes, sheets, clothes, books, and everything else filling up your home, it’s probably a lot more than you thought.  

Renters insurance is an affordable way to protect what you’ve worked hard to acquire.  And it’s probably a lot cheaper than you’d expect!  In fact, many times the discount you receive on your auto insurance for having multiple policies can almost pay for the entire renters policy! 

Renters Insurance will cover personal belongings within your home as well as a limited amount of property off premises (such as items in a storage building) or your laptop when it’s in the car.  

It also includes important liability coverage.  If you accidentally cause a fire that burns down the property, your insurance pays the landlord to replace it (protecting you from a damaging lawsuit).  In fact, many landlords now require that tenants carry a certain amount of liability insurance before they approve the lease.  

So if you’re renting, it’s time to look at protecting your valuables.  Give us a call today and ask for a no obligation quote on renters renters insurance.  

And don’t forget to find out how much you’ll save on your auto insurance too! With more than one policy with us you can qualify for big savings with a multi-policy discount!

Call SAV-ON Insurance today at 888-867-2866 to find out more.