Does home insurance cover theft inside the car?

 

The home insurance is an essential tool to protect our home and the personal belongings in it. However, many wonder whether this type of insurance can also cover theft occurring outside the home, specifically inside the car. To answer this question, it is important to understand the differences between home insurance and car insurance:

 

Home insurance

 

Home insurance is designed to protect the home and its contents against a series of risks, such as fires, flooding, burglary, explosion or damage caused by natural phenomena (except for damage caused intentionally by the insured person).

 

However, home insurance focuses on protecting what is inside the home, not what is outside it. This means that any theft occurring outside the house, such as in a car parked on the street, is usually not covered by this type of policy.

 

Car insurance

 

On the other hand, car insurance aims to protect the vehicle and its contents against a series of risks. Depending on the insurance you take out, car insurance may include coverage against theft of the vehicle itself, as well as the objects found inside it.

 

In short, home insurance does not cover all theft occurring in the car, since it is designed to protect what happens inside the home. To protect your car and your belongings inside it, you need to take out an appropriate car insurance . It is always advisable to go over the terms and conditions of both insurance policies to make sure that you have the protection you need in the event that something happens.

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