Today I’m answering a question I hear all the time - “Are my personal belongings covered if someone breaks into my car?”

Unfortunately,  despite what you probably had hoped for, they typically are NOT covered!  Your auto insurance covers your car from damage and accidents, but not the items inside from theft.

But there are still ways to protect yourself.  First, and most obvious, avoid keeping high-ticket items in your car in the first place.  This includes things like your laptop, cell phone, iPad, purse, a portable GPS system like a Garmin, any cash, gift cards, etc. 

If you’re out shopping, keep your doors locked and lock most items away in the trunk or glove box.

But since covering items isn’t always possible you also want to make sure you’re covering these items by carrying Renters or Homeowners insurance for your personal belongings.  These policies include a certain amount of coverage for property off premises.  These are still subject to your deductible so make sure to discuss with your agent to see what kind of coverage you have currently. 

With a little bit of prevention and great insurance, you’ve won’t have to worry about items being stolen from your car.  Have questions?  Give us a call to discuss them anytime! At Bryan Insurance we are the leading agent for Renters and Homeowners for the New York area for Long Island, New Windsor, and the Hudson Valley. Call us at 888-565-2212 or visit us online.

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