Will home owners insurance cover items stolen out of my son's car, who has been living with us, while he was on vacation?

  • by Nick P
  • Mar 12,2018
  • 12 answers

My son has been living with us for the past 6 months. He's getting ready to move to another state and was on vacation during this past week, making plans in the area that he plans to move to.
While there, he had some high dollar items stolen out of his car, totalling nearly $1500. Our deductible is pretty low, and we were wondering if our home owners insurance will cover the items in his car, since he's been living with us?


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Insurance Answers (12)

Elaine M 2 months ago

Call and ask. That's what your agent can tell you right over the phone.

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Flower 2 months ago

His auto insurance may do that. Call your agent and ask. He isnt too bright leaving valuable things in the car. Let him take responsibility.

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curtisports2 2 months ago

Read your policy, and if you don't find the answer there, call the agent that sold you the policy.

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H. Marie 2 months ago

if the car was on your property or parked in the street in front of your house your household insurance covers it

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amy lynn 2 months ago

Auto insurance coverage is responsible for items stolen from a vehicle provided that coverage was selected when purchasing the policy.
Home owner's insurance usually will not cover anything involving the vehicles that are on the property.
Talk to your insurance agent to find out which policy might cover the losses.

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lucy 2 months ago

https://answers.yahoo.com/question/index...
I will start by saying that my background in insurance is liability and never handled homeowner claims. But years ago while working in a mega insurance company would get complaints from policyholders that when their homeowner’s policy renewed, their rates went up, not because they filed a claim, but only because they called the company to (inquire) if the insurance would cover a particular claim or not. I don’t know if other companies do that, so you might have to be careful inquiring on this.
I posted another Y/A question from 9 years ago where a agent had a client who had a $1,400 theft loss, ($400) paid after $1,000 deductible, only to have his policy increase 30% or $300 more.
Now if I had to guess the items stolen could be a computer, phone or electronic devices?
And if so, there could be (dollar) limits they will pay on each, so you might want to take out your policy to see.
Personal Property Extensions of coverage
Another good example concerns special limits on certain types of personal property. For instance, most policies limit their coverage for the theft of furs or jewelry to $500.The limit for firearms or computers is probably $1000. Numerous other items are also typically limited to $500 or $1000 since the homeowners program is designed to fit the coverage needs of the average insured. It is the consumer's responsibility to review the limitations placed on certain types of property. If needed, increase the coverage of one area or another by adding a "Scheduled Personal Property Endorsement" to the basic policy.
Above was copied from another site that could limit is these fall under these catagories.
Casey is the expert here and I believe he has handled homeowner claims or is an agent.

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Casey Y 2 months ago

Well, if your son has established residency in your home (assume he moved back...may never have left), then his contents would be covered in this instance.
This will definitely increase your rate and honestly, I would discourage any client from submitting a claim for $1,500 anyway. Insurance is for large economic loss and that simply is far too small a number.
May be covered but I would discourage the submission of any claim.

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Insurance Pickle.com 2 months ago

Call your insurance agent/broker and ask. My bet is on "no."

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Simply 2 months ago

if they do, likely it will be depreciated value. he will need evidence of the items and the value...and it could cause your rate to go up...
if he was considered a tenant, then he would have needed renter's insurance.

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Lolly 2 months ago

Your agent's phone number is right there on the policy.

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Happy Gramps 2 months ago

only theft coverage on the auto will cover the loss

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DR + Mrs Bears face 2 months ago

As we cannot read your son's insurance policy we have no idea what it covers.

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