Auto insurance in states like California, Oregon, Nevada, and Arizona is designed to protect your vehicle. Liability insurance typically covers damage to another person’s vehicle or bodily injury if you’re involved in an accident. While some policies may include theft coverage, it’s important to understand that these policies don’t cover everything.
Understanding Theft Coverage
Theft coverage in auto insurance policies typically applies to vehicle theft, rather than personal belongings inside the vehicle. For example, if your car is stolen, it will likely be covered under your insurance policy. However, if personal property is stolen from your vehicle, it may not be included in your policy. Coverage varies by company, so it’s essential to speak with an agent at Avail Insurance Solutions LLC to confirm the specifics of your policy.
Additional Coverage Through Other Policies
Renters’ and homeowners’ insurance policies in California often cover personal belongings stolen from your vehicle while it’s parked on your property. Many policies also extend coverage to items stolen while you’re away from home. For instance, if you’re traveling in Oregon or Nevada, your belongings may still be protected. Before traveling, consult with an agent to ensure you have the necessary coverage.
Commercial Auto Insurance Options
Commercial auto insurance may provide additional coverage for tools and equipment used for work purposes. In most cases, you’ll need to purchase extra coverage for these items. Some business insurance policies extend coverage to work-related items you travel with, providing added protection.
If you’re concerned about tools or valuable items being stolen from your vehicle, it’s important to discuss your situation with an experienced agent. The team at Avail Insurance Solutions LLC is here to help. We’ll take the time to understand your needs and find the right policy for you. Contact us today. We proudly serve areas in Arizona, California, Oregon, and Nevada.