What does my auto insurance policy cover if personal items are stolen from my vehicle in Dallas, TX?

Your Dallas – Fort Worth, Texas auto insurance policy is intended to replace your car or cover damage done to your car in the event it is stolen. However, it is not intended to ensure personal property that happened to be inside the car at that time. To find out why, it’s important to understand how your auto insurance coverage works in the event of a theft.

The comprehensive portion of your auto insurance policy takes care of non-accident-related losses such as auto theft, but such coverage only extends to the actual vehicle. In the majority of cases, your comprehensive coverage won’t help you replace personal property left in the vehicle. If you had a cell phone, music player, laptop or any other personal item in your vehicle at the time it was stolen, chances are your comprehensive coverage won’t cover it.

Fortunately, your homeowner’s insurance or renter’s insurance policy may cover your losses, provided you have receipts or other proof of purchase and/or ownership. Some auto insurance companies even offset the higher deductible of a homeowner’s or renter’s insurance policy by offering a limited amount of coverage for your personal property.

Given the Dallas – Fort Worth, Texas area’s higher-than-average property crime rates, the best way to protect yourself is to avoid leaving valuable items in your car, if possible. If you have to bring along valuable items, make sure they are well-hidden from view. For more valuable information, don’t hesitate to contact us to speak to your independent agent.

Disclamer: The content of these blogs do not represent any type of specific coverage’s offered by the agency.