Protecting the Personal Items in Your Car

Loose items in your car are easy targets for thieves unless you take security more seriously. Items most likely to be stolen are small, expensive electronics such as: portable navigation devices, cell phones, portable DVD & music players, and valuable sports equipment (i.e. golf clubs, baseball glove, tennis racquet).

Although it may seem obvious, the best way to protect your possessions is to lock your car doors. And don’t leave any windows (or the sunroof) open…not even during the dog days of summer!

To prevent crimes of opportunity, never leave valuable items in plain sight. Today’s thieves don’t usually bother tearing CD players out of the dashboard anymore (although some still try) because it’s so much easier to grab a detachable GPS navigation device off the dashboard or to swipe an mp3 player or cell phone that was left on the seat. Even though it may be a hassle, lock your valuables in the trunk or (better yet) take them with you.

You may be surprised to learn that personal property in your car is generally not covered by your auto insurance policy unless it’s permanently installed (e.g., a factory radio). However, personal items are generally covered by your homeowners or renters insurance, subject to a deductible, and up to certain limits.

If you routinely carry expensive items in your car and need additional coverage, look into purchasing a rider or endorsement to your homeowners or renters policy. And keep in mind that some policies will provide coverage only when signs of forced entry are present–another reason to lock your vehicle!