Does Your Home Insurance Cover Stolen Packages?

Many homeowners insurance policies in Kingwood, WV will cover stolen packages. However, you will still have to pay your deductible on stolen items. As such, it may not make sense to file a claim, depending on how much your package is worth. Many deductibles are between $500 and $2,000, so if your package was worth more than your deductible, it could be worth filing a claim with your agent at Smith Insurance Agency of West Virginia to get your money back. If your package is not worth the amount of your deductible, consider the hassle of filing the claim and if there is a possibility of your premiums going up after your claim.

If filing a claim is not worth it, there may be other things to do in order to recover your stolen package. Track your package to make sure it was actually stolen and not just delayed in transit. If it has been delivered, check to see that a well-meaning neighbor doesn’t have it. Sometimes neighbors pick up packages to prevent them from getting stolen in the first place. Next, contact the retailer. Different retailers will have different policies on what happens for stolen packages and may issue a replacement or a refund. If the retailer is unable to help you when filing a claim with the shipping company may work, as well as looking into your credit cards for purchase protection.

There are ways to prevent packages from being stolen, and these may offer you discounts on your home insurance. Installing a security camera can give you some more peace of mind. Security systems may ward off potential thieves but, even if it doesn’t, you then have photo evidence for a police report or claim. Also, be sure to keep your home well lit and even consider using motion detection lighting.

Contact Smith Insurance Agency of West Virginia, serving Kingwood, WV, to get a quote on home insurance.