Does homeowners insurance cover goods stolen from a car if the door was unlocked?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 27, 2012

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Insurance Question from Middletown, NY

Asked on 02/27/2012

Does homeowners insurance cover goods stolen from a car if the door was unlocked? door was unlocked accidentally due to a faulty remote.

Answer given on March 01, 2012

The fact that your car was not locked and items were stolen from your car should not affect the possibility of filing a claim. There is no requirement that a property be locked for the insurance coverage to apply.Talk to your agent and determine what your homeowner deductible amount is. Make sure that the amount of your loss will exceed the deductible. Also ask if you will lose any discounts, such as a claim free discount, if you file the claim. All of these need to be considered before filing the claim. Also, if jewelry or a computer were taken, see if there is a limitation in the policy for these items. Many insurance companies have limits for these things in the policy. If you decide to proceed with the claim, you will need to provide proof of ownership of the items you are claiming and to determine the cost to replace these items. The adjuster should work with you as to how to proceed with the claim.

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