When personal belongings are stolen from a car in West Hartford, Connecticut, you may worry about the replacement cost. That is particularly true if it was your expensive cellular phone or if you are missing important documents, like the details of a term life policy. Although every insurer will have a different policy and plan for auto insurance, many policies will offer some coverage for belongings that are stolen from the car.
Review Your Policy
Never assume that you are covered under a current policy. Take the time to read through the document and find out how much coverage is available and what is covered.
If you only have a basic liability and state-minimum plan, then you may not be covered for the theft of personal belongings. Insurers may refuse to cover belongings in the car when you obtain the minimum requirements, so take the time to find out what is covered under a policy.
Obtaining Additional Coverage
If you determine that the current policy is not appropriate for your needs or goals, then it may be time to obtain a new policy or add to the current coverage. Ideally, it is best to review your policy at least once per year to determine if it is appropriate for your current needs so that you can make appropriate changes if it is necessary.
Working with an independent agent will help you find the right policy to address all of your concerns. If you are worried about items being stolen, then you will want a policy that protects the vehicle and any other object in the vehicle from theft. Contact us to talk to an independent agent about your options or for more details today.