Everyone leaves personal belongings in their car in Tomball, TX. Whether it’s a phone charger, clothing, your bag, or expensive skin care products, it’s essential to know whether renters’ insurance will cover the cost if something happens to your belongings.
Personal Belongings
Yes, a standard renters insurance policy will usually cover things that are stolen or damaged inside your car. It can also cover things that are outside, such as patio furniture or toys. Many policies will cover items secured to your car, such as bikes or luggage. However, policies vary depending on the company. Ask a professional at Hastings Insurance Agency LLC to determine what your policy covers.
Car Damage
While many policies will extend coverage to your personal belongings inside your car, that coverage doesn’t extend to the car itself. Instead, you’ll have to file one claim with your renters insurance company for personal belongings and another with your auto insurance company for the car.
The Deductible
Always consider how much your deductible is before you file a claim. Determine the cost of the items stolen, and ask an agent how much your deductible is. It may be more cost-effective to replace the items instead of filing a claim.
When To Contact The Police
Always contact the police if items are stolen from your car or vandalized. Most companies will need a copy of the police report. However, if your belongings are damaged due to a natural disaster, you won’t need a police report.
Contact us to learn more about the details of your policy or how to file a claim. Agents here at Hastings Insurance Agency LLC are currently serving the Tomball, TX, area.