I shipped my christmas presents to my house. 3 large boxes. my house is right on the street and the delivery truck left on porch and it was stolen
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UPDATED: Jan 4, 2012
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Insurance Question from Fort Screven, GA
Asked on 01/04/2012
I shipped my christmas presents to my house. 3 large boxes. my house is right on the street and the delivery truck left on porch and it was stolen Is it possible that my homeowners insurance policy will cover that?
Answer given on January 10, 2012
It is possible that you have coverage under your home insurance policy. But be careful! What is the deductible on your home insurance policy? What is the value of the presents? If your home insurance deductible is say $500 and the presents are worth $800, ask yourself is it worth losing your claim free discount (which amounts to about 10% of your H.O. premium in some cases) every year for three years just to recoup the amount of the presents. What’s more, if you report it and it is not over your deductible, it still may be reported as a claim but only closed without payment. Therefore, even though this claim may be covered, weigh very carefully if it is worth the amount you will get back on the presents.
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