Theft is always a concern, whether it is the theft of a car or the theft of personal belongings that are kept in a dorm room. While there is coverage in a home or auto insurance policy to provide some basic protection, the situation and the type of theft can determine if coverage is available.
Stealing at Schools
When teenagers leave home and move into a dorm for college, parents have many concerns that will arise. Parent may worry about their student’s diet, grades and ability to adapt to the new surroundings.
The idea of theft may be secondary, but it is still important to recognize the options that can help reduce the risks. The theft of personal belongings from a dorm room, class or even a car that is parked on school campus can be covered. As long as a student is living in the dorms, a home insurance policy may provide some protection for personal belongings that are stolen.
Theft From a Car
Personal belongings that are being transported in a car can seem complicated, primarily due to the fact that the items were stolen from a car rather than a classroom or house.
Generally, a comprehensive auto insurance policy will pay for any damages to the vehicle, such as a broken window. Unfortunately, the policy may not provide coverage for personal belongings that are stolen from the vehicle.
The items that were taken from the car may be covered by a home insurance policy. Alternatively, additional coverage can be purchased on the auto plan to pay for stolen personal belongings.
Personal belongings are not always taken from a home; instead, they may be stolen from a car, in a classroom or even in the dorm rooms on a college campus. Fortunately, insurance is available to help pay for the lost property. Contact Insurance and Mortgage Services to learn more about the insurance options that are available in Illinois.