Car Thief Breaking Window Glass

What Insurance Covers Car Break-Ins and Theft?

Car break-ins and theft are unfortunate realities that many vehicle owners may face. Knowing what types of insurance can protect you against these risks is crucial. This blog will guide you through the essential aspects of car break-in and theft coverage, focusing on comprehensive car insurance, renters, and homeowners insurance. 

Comprehensive Car Insurance 

Comprehensive car insurance is your primary defense against car break-ins and theft. It covers a wide range of non-collision-related damages to your vehicle, including vandalism, weather damage, and, importantly, theft. Here’s a breakdown of what it covers: 

  • Vehicle Theft: If your car is stolen, comprehensive insurance helps cover the loss of your vehicle. You will be compensated based on the car’s actual cash value (ACV) minus your deductible.
  • Damage from Break-Ins: If a thief breaks your window or damages your door, comprehensive insurance covers the cost of repairs.
  • Stolen Parts: Items permanently attached to your car, like a stereo or GPS system, are also covered under comprehensive insurance. 

However, comprehensive car insurance does not cover personal items stolen from your vehicle. This is where your renters or homeowners insurance comes into play. 

Renters and Homeowners Insurance 

Renters and homeowners insurance policies can provide coverage for personal belongings stolen from your car. These policies generally include personal property coverage, which protects your possessions against various risks, including theft. These types of insurance will cover: 

  • Personal Belongings: If items like a laptop, phone, or other personal property are stolen from your car, your renters or homeowners insurance will cover the loss, subject to your policy’s deductible.
  • Off-Premises Coverage: This feature of renters or homeowners insurance extends protection to your belongings even when they’re not in your home. So, whether your property is stolen from your car, a hotel room, or any other location, it is likely covered. 

What to Keep in Mind with Renters and Homeowners Policies: 

  • Policy Limits: Check the limit on personal property coverage and ensure it’s adequate to cover the value of your belongings.
  • Deductibles: You’ll need to pay a deductible before your insurance covers the remaining cost of the stolen items.
  • Filing Claims: Multiple claims can lead to higher premiums, so it’s wise to consider whether the value of the stolen items justifies filing a claim. 

Tips to Minimize Risk of Car Break-Ins and Theft 

While insurance can help you recover losses from vehicle break-ins or theft, taking preventative measures can reduce your risk so you don’t have to deal with these headaches in the first place. 

  • Hide Valuables: Keep personal items out of sight or take them with you when you leave the car.
  • Lock Your Car: Always lock your vehicle, even if you’re only leaving it for a short period. Your car’s alarm should help to deter thieves.
  • Mind Where You Park: When possible, park in well-lit, monitored, and populated areas. If you have a garage at home, park inside. If you must park in the driveway or on the street in front of your house, consider installing outdoor security cameras and lighting. 

Now that you know comprehensive car insurance protects your vehicle and attached components, while renters or homeowners insurance covers personal belongings stolen from your car, review both of your policies to make sure you have adequate coverage. Together, these policies offer a robust safety net to ensure you’re not left out of pocket in the event of theft. At Safeside, we’re committed to getting you the right insurance at the right price. You can jump right into getting insurance quotes now, or contact us directly to answer any questions or concerns you may have! 

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Safeside Insurance Agency

Office: (508) 753-8862
Fax: 508-797-3564

59 Green Street
Worcester, MA 01604

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