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My vehicle was broken into at my home last night and the thiefs stole my wallet and my backpack. I have Allstate insurance and was wondering if there's any chance they would cover my books or if home owners insurance could cover it since I had about 700 dollars worth of books stolen. Anyone ever deal with this?
225 on fire. I'm a Southern Jag, LSU Tiger. I mean that.- Lyrical genus Mouse on Tha Track
Depends what kind of coverage you have on the auto? Auto coverage is for the car alone, so if anything on the car was broken or damaged would be covered under your auto policy. Usually personal items are covered under homeowners.
You can try. They most certainly won't cover any cash, and I doubt they will cover the books. Even if they do, you'll have a deductible which is normally at least $500. If there was damage to the car, that would def be covered.
I only had 30 bucks cash. They left about 3 grand in golf clubs in the back, a pair of Ray Ban sunglasses, and a 9mm Beretta pistol but took my backpack... Wtf.
Happened to me a while back.. Stole all kinds of crap but insurance will only pay for damages unless there was a flood or tree that fell on your car.
Danielle Hunter, Jamario Rasco, Anthony FREAK Johnson.. DL wrecking crew of 2013.
weird robbers imo
3 time POTW, member since 2006, MLWTI: 4-3
You store a 9mm in your car? No bueno.
sounds like little punk kids..
Why would you keep your wallet in your car?
My truck was broken into twice in college, within 4 months. I finally figured out just to not leave anything of value in my vehicle. Half the time I forget to lock my doors now but there's nothing to steal so I don't have to worry. I have a friend that works locally for the DA's office and said it's generally high school aged kids and they literally just walk up to cars and look in, if they see something they break in and snatch what they can as quick as possible. They literally hit like 20-30 cars on one street in one night.
Why would you keep a wallet or a 9mm in your car?
Time and change will surely (truly) show
How firm thy friendship ... OHIO!
Because I live in a nice neighborhood where that kind of stuff doesn't happen.
false. you live in a nice neighborhood where that kind of stuff does happen.
Well my neighbor across the street is a state trooper with a marked car. I figure that would be some type of deterrent.
I'll give you the books back for the gun.
Hmm, apparently it does. Ha.
In all seriousness, sorry your stuff got swiped. People are assholes.
^^^^^This^^^^. I had the same thing happen to me minus the wallet. Auto covered the car home owners covered my contents.
Your home owners policy should cover the loss of the the books, but they will only pay for replacement costs, not what they cost you brand new. If they could find the same book that you paid $100 for brand new, online for $40 used, that is what you would get. Of course this is after your deductible. So if you had a $500 deductible the most you could claim would be $200. I highly recommend that you suck it up and not make a claim against your homeowners policy for that small amount. You will end up paying for it in premium down the road.
I had someone break into my car and steal only my loose change.
Left a gun, check book, backpack, and prescription headache medicine.
Nice neighborhood, etc. Just a sign of the times.
This post was edited by RMFT15 18 months ago
DO NOT try filing it under both policies. you'll end up paying extra premium on both.
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