If you experience a theft of valuable items from your car in Mountain Home, AR, you might be unsure about which insurance covers it. Should you file a renters’ or auto insurance claim? Typically, this type of theft is covered by a renters’ policy, but there are a few exceptions.

What’s Covered?

The theft coverage included in renters’ insurance isn’t limited to items in your home. It extends to most belongings stored in a vehicle, as well as hotel rooms and self-storage units. Condo and homeowners policies generally offer the same benefits. However, it’s still crucial to take precautions, such as closing windows and locking doors.

Vehicle Insurance

Auto insurers usually don’t cover items stolen from vehicles unless they are installed components. Optional comprehensive car insurance provides coverage for theft of the vehicle itself and most of its parts. If you install aftermarket add-ons, such as a high-end stereo, you’ll need to add a custom parts and equipment endorsement to your policy to protect them against theft.

Things to Consider

Remember that limits and deductibles apply to many insurance policies. It might not be beneficial to make a claim if a thief steals something of relatively little value. Be sure to keep the receipt for any expensive item that you regularly transport in your vehicle, such as a laptop or a set of golf clubs.

If you want to safeguard your valuables with a reliable renters’ policy, consult the experts at Affordable Insurance Inc. Our independent agency, with an office in Mountain Home, AR, boasts over three decades of experience. Please call 870-425-6079 or 844-448-0923 to contact the friendly, helpful agents at Affordable Insurance Inc.