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Homeowners Insurance Helps with Car Theft

When you take out homeowner's insurance, you do so to protect the items in your home. Should something happen to your home and the stuff you have in it, you can rest assured knowing everything is covered by your policy. Your car, on the other hand, is a different story.

When your vehicle is stolen, even if it is stolen from your home, it is not covered by your homeowner’s policy. The personal items in your car, however, are covered by your homeowner’s insurance. Even when the items in your car are stolen while it is parked elsewhere, these are covered by your homeowner’s insurance policy.

Why Homeowner’s Insurance Covers Theft from Cars

While some people believe that items stolen from within their car are covered by their auto insurance policy, it is not. Auto insurance with comprehensive coverage covers the theft of the vehicle itself and not its contents. If you have homeowner’s insurance, any item stolen from your parked vehicle is likely covered by it.

This is because of the personal property coverage of such a policy. Even renter’s insurance has such a clause where your personal items in your car are protected. When items you normally have in your home are stolen from your car, the personal property coverage of your homeowner’s or renter’s insurance kicks in.

Any theft of these items is subject to certain limits, however. You will need to check your policy to find out how much your off-premises coverage limit is for items that are stolen while in your car. Also, you should be aware that you may need to pay a deductible when you make your claim for items stolen in your car.

To find out more about your options when it comes to homeowners insurance, auto insurance, and renters insurance in Houston and Cypress Texas, the company to call is Low Cost Insurance Texas. We have been providing affordable insurance options to the people of Texas since 2013, with innovative ideas and the best prices that you won’t find elsewhere.

Contact us online or give us a call at 281-612-7178 to find out how we can help you with your insurance needs and inquiries.