ALREADY INSURED? COMPARE YOUR RATES:

Compare
Call Us 216-464-3333 
☰ ˟
Logo
Call Us 216-464-3333
or 440-510-8280
  • Home
  • Schedule An Appointment
  • About
    • About The Insurance Pad, LLC
    • Our Mission
    • Our Team
    • Services
    • Earn Referral Rewards
    • Companies We Represent
    • Customer Reviews
    • Join Our Team
    • Agency App
  • What We Offer
    • Auto Insurance
    • Auto Liability Insurance
    • Boating Insurance
    • Collision Insurance
    • Comprehensive Insurance
    • E-Bike Insurance
    • Home Insurance
    • Renters Insurance
    • Motorcycle Insurance
    • Non-Standard Auto
    • RV Insurance
    • Pet Insurance
    • SR-22 Filing
    • Umbrella Insurance
    • Uninsured/Underinsured Motorist Coverage
    • Areas of ServiceImage of right arrow
      • Cleveland Homeowners Insurance - We are the Ones to Trust
  • Request A Quote
    • Auto Insurance Quote
    • Homeowners Insurance Quote
    • E-Bike Insurance Quote
    • Umbrella Insurance Quote
    • Motorcycle Insurance Quote
    • Recreational Vehicle Quote
    • Renters Insurance Quote
    • Boat/Watercraft Quote
    • Pet Insurance Quote
    • SR-22 Quote
  • Resources
    • Insurance Glossary
    • Disaster Preparedness Center
    • Privacy Policy
  • Client Support
    • Make a Payment
    • File a Claim
    • Contact Us
    • The Insurance Pad Agency App
  • Blog
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home & Renters Icon

Home & Renters

We browse through a wide variety of coverages and find the right one for you.

Learn More
Recreational Vehicle Icon

Toys

We browse through a wide variety of coverages and find the right one for you.

Learn More
Pet Icon

Pet

We browse through a wide variety of coverages and find the right one for you.

Learn More
SR-22 Filing Icon

SR-22 Filing

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > HOLIDAY HEARTBREAK: DOES CAR INSURANCE IN OHIO COVER STOLEN GIFTS AND VALUABLES?
THURSDAY, NOVEMBER 19, 2020

HOLIDAY HEARTBREAK: DOES CAR INSURANCE IN OHIO COVER STOLEN GIFTS AND VALUABLES?

As the holidays approach, our agents always receive a few calls from distraught car insurance customers in Ohio who have been victims of crafty thieves who stake out parking lots, malls and neighborhoods looking for unassuming people who leave gifts and valuables in their cars.

We know that every year, two million car thefts happen in the United States where thieves make off with more than $1 billion in valuables and personal items. Most car thefts happen between Thanksgiving and Christmas, as distracted holiday shoppers hurry to complete seasonal gift buying.

DOES CAR INSURANCE COVER STOLEN GIFTS AND VALUABLES IN OHIO?

Unfortunately, no. It breaks our hearts to tell our clients, “No, car insurance typically does not cover theft of valuables from your car.”

While comprehensive car insurance will cover damage to the vehicle caused by the break-in – such as a smashed window or damaged lock – and will also cover damage to permanent fixtures within the car such as seats and steering wheels, it will not cover valuables including gifts, gift cards, laptops or groceries.

There is a silver lining, though. If you have a homeowners insurance or renters insurance policy, you are most likely covered for theft of personal items – even if the stolen stuff wasn’t physically in your house or apartment when it was stolen. Check your policy to make sure you are covered for “off-premises theft” which typically covers your valuables worldwide for several mishaps including theft, fire and loss.

HOMEOWNERS INSURANCE AND RENTERS INSURANCE WILL COVER YOUR LOSS, BUT…

If you find yourself the victim of a holiday heist and want to file a claim under your homeowners insurance or renters insurance policy, you’re most likely covered but do the math first. Most people have deductibles of $500 to $1,000 or higher. That means, if the stuff in your car that was stolen is not worth more than your deductible, you most likely wouldn’t make a claim that could cause your insurance premium to increase.

Now, if your laptop or other high-value items were stolen, it might make sense to file a claim.

Remember, always call your agent to discuss whether you should file a claim. This is one of the benefits of having an agent like us; you can call and ask questions, receive answers and make an informed decision that works for you. Reach us with questions at 216.464.3333. We’re listening.

HOLIDAY SHOPPING TIPS TO KEEP VALUABLES SAFE

Here are a few tips to keep your holiday shopping happy:

  • Always lock your doors and avoid leaving any valuables in plain view.
  • Stow gifts, purchases, laptops and valuables in the trunk – out of view of any would-be thieves. Better yet, go home in between stops (if possible) and take your valuables inside the house.
  • Park in well-lit, well-trafficked areas where people are around. The parking garage may offer protection from the snow – especially in Ohio – but can also provide a cover for would-be marauders.
  • If you want to take it one step further – if crime is common in your area – think about adding a dashcam to record any deviant behavior in or around your vehicle.

Do you have questions about your insurance coverage? Give us a call at 216.464.333 or send an email to kim@theinsurancepad.com anytime. We’d love to hear from you.

OUR PROTECTION COACHES ARE STANDING BY TO HELP PROTECT YOUR ASSETS AND YOUR LIFESTYLE. REACH OUT TO Kim Rankin, Kristy Baker OR Sam Johira DIRECTLY. THANKS!  

 

Posted 3:00 AM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020

  • auto insurance(17)
  • home insurance(11)
  • rv insurance(4)
  • recreational vehicle insurance(3)
  • motorcycle insurance(2)
  • boat insurance(2)
  • life insurance(2)
  • pet insurance(2)
  • auto and home insurance(2)
  • car insurance(1)
  • auto(1)
  • renters insurance(1)
  • homeowners insurance(1)
  • renters(1)
  • bundling insurance(1)
  • home and auto insurance(1)

View Mobile Version

Contact Us Today!
216-464-3333

Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

32916 Vine Street
Eastlake, OH 44095

Phone: 216-464-3333 | Fax: 216-464-6910 | info@theinsurancepad.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder