Many people store personal belongings in their vehicle’s trunk. In some cases, those items include expensive valuables such as laptops, sporting equipment, tools, and other personal property.
If someone breaks into your vehicle and steals items from the trunk, you may wonder whether insurance will cover those losses.
The Rob Hill Insurance Group, serving Atlanta, GA, explains how insurance typically applies in these situations.
Does Insurance Cover Items Stolen From a Trunk?
If your trunk is broken into, the stolen contents are often your primary concern. However, auto insurance usually covers damage to the vehicle itself rather than personal belongings stored inside it.
That said, homeowners insurance or renters insurance may help cover some or all of the value of items stolen from your vehicle’s trunk. These policies often include personal property coverage that can extend to belongings taken during a vehicle break-in.
Know Where to Turn After a Break-In
After a trunk or vehicle break-in, it is a good idea to contact your auto insurance provider to understand what damage to the vehicle may be covered. You should also reach out to your homeowners or renters insurance provider to ask whether stolen personal items qualify for reimbursement.
If the vehicle itself is damaged during the break-in, repairs may be covered under your auto insurance policy, subject to deductibles and coverage limits. Keep in mind that homeowners and renters insurance policies also have limits, so high-value items may not be fully reimbursed without additional coverage.
The Rob Hill Insurance Group Is Here to Help
If you are considering new auto insurance or want to review your current coverage, help is available. Serving the greater Atlanta, GA area, the Rob Hill Insurance Group is ready to assist. Call 678-791-7132 to request a personalized insurance quote.