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101 N Ivy St
Canby, OR 97013

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Does Auto Insurance Cover Belongings in My Car?

Canby, OR drivers mostly park in safe neighborhoods, but vehicle break-ins can occur anywhere. That’s why it’s essential to understand how auto insurance covers belongings that might be in your car.

Auto Insurance and Personal Belongings

Auto insurance policies are typically designed to protect against vehicle-related damages and liabilities. This doesn’t necessarily extend to personal belongings inside the car, such as electronics, clothes, or other belongings.

Standard auto insurance policies generally don’t include personal belongings in a vehicle. This is because auto insurance primarily focuses on the car and its liability concerns, not the items inside. In the event of theft or damage to belongings, an auto insurance policy is unlikely to do much.

Homeowners or Renters Insurance as a Solution

When you need to protect personal belongings inside a vehicle, homeowners’ or renters insurance policies might provide the necessary coverage. 

These policies typically include off-premises coverage for personal belongings, which naturally extends to personal items stolen from or damaged in your car. 

However, it’s essential to check the specifics of a homeowner’s or renter’s policy, as coverage limits and deductibles will apply. Our team at Olliver Insurance can help you look at the specific terms of your policy.

Make Sure Your Belongings Are Insured

Any insurance policy can be complex, which only increases when using a homeowner’s policy to protect things in a car. If you’re in Canby, OR, and want help insuring your belongings when they’re in a vehicle, contact us at Oliver Insurance. We can assist with auto, homeowners’, or renters’ insurance and ensure your belongings are adequately insured wherever you take them.

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