Does Renters Insurance Cover Theft From Car?

Wondering if your tenant insurance covers items stolen from your car? Read our article to find out!

As a tenant, it’s important to understand the coverage provided by your tenant insurance policy. While you may have coverage for theft, it’s important to know whether or not your policy covers theft from your car. In this article, we’ll explore whether or not renters insurance covers items stolen from cars, what is covered, how to make a claim, and some prevention tips.

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What Is Tenant Insurance?

Tenant insurance, also known as renters insurance, is a type of insurance policy that provides coverage for your personal belongings in the event of damage or loss due to a covered peril.

Common coverages included in tenant insurance

Tenant insurance typically includes several types of coverage to protect tenants from various risks and damages. Some of the most common coverages included in tenant insurance policies are:

• Liability insurance: This coverage protects tenants from financial loss if they are found responsible for injuring someone or damaging someone else’s property.

• Contents insurance: This coverage protects tenants’ personal belongings from damage or loss due to covered perils such as fire, theft, or water damage.

• Additional living expenses: This coverage provides financial assistance to tenants if they are forced to temporarily relocate due to damage to their rental unit.

• Optional water coverage: This coverage protects tenants from water damage caused by events such as sewer backup, sump pump failure, or overland water. This coverage is usually optional and may require an additional premium.

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Coverage for Theft From Car

Whether or not tenant insurance covers theft from a car depends on the specific policy and the insurance provider. In general, tenant insurance policies may provide coverage for theft from a car if the stolen items are considered personal belongings. This may include items such as laptops, cameras, or other personal items that were in the car at the time of the theft.

It’s important to note that there may be limitations or exclusions to this coverage. For example, some policies may have a limit on the amount of coverage provided for stolen items from a car, or may exclude coverage for items left in plain view in the car.

How to Make a Claim

If you experience theft from your car and believe that your tenant insurance policy covers the stolen items, you should contact your insurance provider as soon as possible. They will provide you with instructions on how to file a claim, which may include providing documentation such as a police report or proof of ownership for the stolen items.

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Prevention Tips

While tenant insurance may provide coverage for theft from a car, it’s always best to take precautions to prevent theft from happening in the first place. Here are a few tips to help prevent theft from your car:

• Always lock your car doors and windows when leaving your car unattended

• Avoid leaving valuable items in plain view in your car

• Park in well-lit areas or areas with surveillance cameras

• Consider installing an alarm system or anti-theft device in your car

APOLLO offers effortless tenant insurance that allows you to customize your coverage so you’re only paying for what you need. Get a free quote in less than a minute and we’ll send your new policy documents right to your inbox.

Looking to learn more about making a tenant insurance claim? Read our article How to Make a Tenant’s Insurance Claim to find out.

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