Claims questions
Does homeowners insurance cover theft?
Yes. Homeowners and renters policies cover theft of your personal property at home and, generally, away from home — including belongings stolen from your car. Special limits apply to items like jewelry, cash and firearms unless you schedule them.
Special limits
Short answer: Jewelry, watches, furs, cash, firearms and some collectibles have lower sub-limits for theft.
Scheduling valuable items covers them for an agreed amount, often with no deductible. Ask during a coverage review.
Items stolen from your car
Short answer: Belongings stolen from a car are a homeowners or renters claim; the car's damage is an auto (comprehensive) claim.
See Seattle renters insurance for car-prowl specifics.
Keep exploring
- Home insuranceWhat Washington homeowners insurance covers — dwelling, belongings, liability, living costs — and what it doesn't. Get a home insurance quote from a Federal Way agent.
- Renters insuranceRenters insurance covers your belongings, liability and extra living costs. What it covers, what landlords require, and why it's the easiest bundle with auto.
- Seattle renters insuranceSeattle renters insurance for city life: bike and car-prowl theft, older brick buildings and earthquake coverage for belongings, storage units, roommates and lease requirements.
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