Does Auto Insurance Cover Personal Property Left Inside Your Car?

You might think that if something inside your car is stolen or damaged in an accident or fire, it is covered by your auto insurance policy. This is a common assumption. The professionals at Smith Insurance Agency of West Virgina, servicing Kingwood, WV, are here to help you understand what your auto insurance policy protects. You might need additional coverage.

Comprehensive Auto Coverage Defined

Comprehensive auto coverage protects your vehicle from damage caused by everything other than a collision. This includes fire, theft, vandalism, falling objects, weather related damage and broken windows. But this coverage does not cover your personal belongings taken or damaged inside your vehicle. This includes valuables like laptops, electronics, handbags, tools, and sports equipment. This is considered personal property that is not covered.

Where Homeowners or Renters Insurance Plays a Role

If your personal items are stolen or damaged while inside your car, your homeowners or rental insurance policy covers these items even if you are away from home. Our team will review your insurance policies and help you understand if you have the right insurance coverage for your lifestyle.

Tips to Keep Your Vehicle and Belongings Safe

Be proactive and take measures to keep your vehicles and property safe.

• Keep your valuables out of sight

• Park in well-lit, secure areas

• Lock your doors and close all windows

• Install an alarm or anti-theft device

• Store bags, electronics, and other valuables in the trunk

Let’s Review Your Auto Insurance Policy

Contact our expert and friendly team at Smith Insurance Agency of West Virginia, serving Kingwood, WV, and let’s review your auto and homeowners policies today. We’re here to make sure you’re properly protected.