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Concord, CA 94520

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Does Renters Insurance Cover My Belongings If They’re Stolen From My Car?

A large percentage of people renting homes and living spaces in Concord, CA, have renters insurance. Many of the residents with renters insurance assume that their policy overs their belongings if they are stolen from their cars. This might be true or not true for you as a renters insurance policy, depending on the theft situation. Here’s why:

What Was Stolen? 

Generally, your renters insurance will cover items stolen from your personal items stolen from your car parked at your home. For instance, if you have left your smartphone, your personal laptop, and your company’s hard drive in your vehicle and it was broken into, and all of the items are stolen. Your renters insurance will compensate you for your smartphone and personal laptop, but not for the company’s hard disk. If your car stereo is also stolen during the incident, your renters policy won’t compensate you for it. The policy will not also take of the damage done to your car when the perpetrators broke into it to steal your items. It will not also cover your vehicle if it’s stolen with your personal items in the theft.

This is why at Land Home Insurance Services, we advise that you get a separate car insurance policy even if you have renters insurance.

Where Was the Car?

Renters insurance will typically cover all your personal belongings stolen from your car, whether the vehicle is at home, across the country, or on another continent. Therefore, if you are traveling the world in your car, you can expect your renters policy to protect all your personal belongings if your car is broken into. However, there is an exception to this rule; your renters policy won’t cover your personal belongings stolen from your vehicle in a war zone.

Contact Us Today

Are you a Concord, CA, resident looking for renters or auto insurance? At Land Home Insurance Services, we have the best renters and auto insurance deals. Call us today.

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