7 Ways Insurance Can Help If Your Holiday Packages Are Stolen
The holidays bring joy, giving, and celebration, but they also bring an increase in package theft and break-ins. With more people shopping online and shipping directly to their homes, stolen packages are becoming more common. Thankfully, insurance can help in several ways if your holiday presents go missing.
Here are seven ways your insurance coverage may come through when gifts are stolen.
1. Homeowners Insurance Can Cover Porch Theft
When a package is delivered and then taken from your doorstep, your homeowners insurance may cover the loss. This protection usually falls under your personal property coverage. To file a successful claim, the stolen item must be worth more than your deductible, and you’ll need documentation and a police report.
2. Renters Insurance Offers the Same Protection
If you live in a rented space, renters insurance often provides the same coverage for stolen deliveries. If a package is taken from your apartment building’s front entrance or hallway, your policy may reimburse the loss as long as the value meets your deductible.
3. Stolen Items From Your Car May Still Be Covered
Auto insurance typically does not cover personal belongings stolen from your vehicle, but homeowners or renters insurance often does. If someone breaks into your car and steals gifts, you may be able to recover the cost through your personal property coverage. You’ll need to file a police report and provide receipts for the stolen items.
4. Auto Insurance Can Help With Vehicle Damage
Although it won’t replace the gifts themselves, your auto policy can help if your vehicle is damaged during the theft. If your car window is smashed or the lock is broken, comprehensive auto coverage may cover the repairs.
5. Scheduled Personal Property Coverage Offers Extra Protection
For high-value gifts like electronics or fine jewelry, standard coverage limits might not be enough. Scheduled personal property coverage lets you insure specific items individually. This often includes broader protection and may come with lower deductibles.
6. Good Documentation Makes Claims Easier
If your gifts are stolen, having the right documents makes a big difference. Save your purchase receipts, shipping confirmations, and photos of the items. These details can speed up the claims process and increase your chances of reimbursement.
7. Your Agent Can Help You Prepare in Advance
Speaking with your insurance agent before the holidays is one of the most effective ways to protect your purchases. They can review your coverage limits, help you understand your deductible, and ensure that valuable items are properly insured.
Protecting Your Gifts Starts with Preparation
Theft during the holidays is never convenient, but knowing your insurance options can help you feel more prepared. From stolen porch packages to car break-ins, your coverage may be more helpful than you expect.
Call to Action
At Capps Insurance, we believe protection brings peace of mind. If you’re unsure whether your current policy covers holiday theft, our team is ready to help. We’ll walk you through your coverage and recommend any updates to help you feel confident heading into the season. Reach out today for a quick review, and give yourself one less thing to worry about.
