Typically, auto insurance doesn’t cover personal property stolen from your car. It will cover losses related to the vehicle, including the vehicle itself, but personal property loss requires other insurance. At Brock and Poole Insurance Agency in Collierville, TN, we’re here to guide you in getting the right combination of coverage to protect your car and the personal items you keep inside it.
Auto Insurance Only Protects Your Car
An auto insurance policy’s purpose is to repair or replace your car in the event of an accident or theft. It won’t cover any of your belongings lost in these types of incidents.
However, your homeowner’s or renters’ insurance policy can cover your items. These policies cover the value of your lost or stolen items, regardless of where they were taken.
How to Ensure Your Personal Property is Covered
The three main types of residential insurance include:
- Homeowners
- Condominium
- Renters
Generally, all three of these policy types include personal property coverage. That means if you leave your laptop in your car and it gets stolen, the homeowners’ insurance will provide the replacement value of the laptop. You’ll have to pay the deductible, and there is a maximum amount the policy will pay, but it can help offset the cost of replacing your personal property.
Contact Us Today to Learn More About Getting the Right Coverage
We at Brock and Poole Insurance Agency are ready to help you find insurance policies that cover your vehicle and personal property. Call us today at our agency in Collierville, TN, to speak to an agent and learn more. We’re here to ensure you get the protection you need for your valuables and more.
