You tried to be careful. Covered your purse with an extra jacket in the car. Locked your expensive golf clubs in the trunk. Shoved your laptop under the seat. Hid everything you thought was in plain site, but your vehicle was still broken into and now you have a loss.
Who do I call first?
While it’s a common belief that this is just an auto claim, it’s actually an auto and homeowner’s claim. Before going into more details though, if you find yourself in this situation, first always call the police. It’s important to have a police report of the incident to document where, when, and what was lost. And secondly, call your bank and credit card companies if your purse or wallet are stolen to freeze your accounts.
What’s covered under my auto insurance?
Your auto insurance is going to cover the damage to your vehicle. Broken glass, locks, dented panels, and anything that is damaged on the vehicle. This is covered under your comprehensive portion of your auto policy. Only vehicles that carry full coverage will have protection in this situation. Your comprehensive deductible will apply before coverage applies. It’s a good idea to get an estimate of the damages to determine if it’s best to file a claim or pay for it yourself.
Why does my homeowner’s insurance pay?
Is any property not covered?
If you transport music equipment, tools, or business equipment, it’s important that you schedule these items on your homeowner’s policy if applicable or purchase a business policy. Your agent can help you decide what solution fits your specific needs. The important take-away is making sure you have a homeowner’s or renter’s policy in place that covers your personal property even when it’s away from your residence.