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Does homeowner's insurance cover theft from a vehicle?


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Answered 2015-07-15 21:50:24

It can be covered depending on the type of policy you bought and what of your property was stolen stolen from your vehicle. The property of another person located in a vehicle on or off your property would not be covered under your policy simply because your home insurance covers your property, not the property of other people. You may have coverage under the household contents portion of your policy if the item stolen belonged to you the homeowner and would otherwise have been covered if stolen from inside your home.

For example 1, Your Television set is covered under your homeowners insurance policy. While it was in the back seat of your car on your way to your local repair shop, you stopped for a Pepsi and someone stole it from the car, the off premises property portion of your home insurance policy would likely cover it subject to all applicable deductibles. Someone else's TV stolen from your car, no there would be no coverage for it.

In example 2 now, someone broke into your car and stole your GPS navigation system, or perhaps your car stereo or your cell phone This would not be a covered loss under your Home insurance policy because these items were never a household furnishing or fixture, This type of loss would have to be covered under your Auto Insurance policy comprehensive portion.

if not there are 2 other places you could call. Her vehicle insurance may give some cover for items stolen but she would loose her no claims discount if you claimed. The other option would be to call your own house contents insurance company as they may offer contents cover away from the home. Yes, with specific limitations. Personal property (contents) that is not part of the automobile itself is covered while in the automobile. There are specific perils for which your contents are insured against and special limitations on specific types of contents such as business property.

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