Ask Your Port Angeles Insurance Agent: Are Items In My Car Covered?

Any time there are property crimes in Port Angeles, I get asked the question - “Are my personal belongings covered if someone breaks into my car?”

Unfortunately, they typically are not covered. Your auto insurance covers your car
from damage and accidents, but not the items inside from theft.

But there are still ways to protect yourself. First, and most obvious, lock your doors! Thieves looking for a quick score are going around looking for unlocked doors for quick and easy access. Also, avoid keeping valuable items in your car in the first place. This includes things like your laptop, iPad, purse, etc.

If you’re out shopping at Swains or Safeway, keep your doors locked and put any items you must leave away in the trunk.

But this isn't always possible. This is why you  want to make sure you’re covered by carrying Renters or Homeowners Insurance for your personal belongings. 

These policies include a certain amount of coverage for property off premises. These are subject to your deductible so make sure to discuss with your agent to see what kind of coverage you have currently.

With a little bit of prevention and great insurance, you’ve won’t have to worry about
items being stolen from your car. Have questions? Give us a call to discuss them
anytime at 360-452-9200


Matt Elwood

Matt Elwood grew up in Port Angeles, graduating from the high school before moving south to attend Pepperdine University in Malibu, CA. While earning his Business Administration he secured an internship at Northwestern Mutual and started his financial career. After graduating from Pepperdine, Matt built a successful Insurance practice in Los Angeles while earning his investment licenses. After a decade of being away from family, Matt decided to move back to Port Angeles and purchase his mother’s Agency. The Helen Elwood Insurance Agency has been an established Allstate agency in Port Angeles for many years. Matt purchased the business in January 2011 and renamed it Elwood Benefits. Matt is focused on growing the business which leaves him little time for anything else. When he does take a break you’ll find him enjoying his family or out on the golf course.