Farrell Insurance Associate, Inc. offers various types of auto and home insurance to residents who live in the Lansdale, PA area. Many residents have questions concerning what their auto insurance covers when it comes to their personal possessions and what is covered if their car is broken into. First, it is important to know what type of coverage you have and whether or not you have a homeowner’s policy. Most insurance companies offer discounted rates for individuals who combine all of their policies into one. This not only saves money, but it also helps to keep things organized.
The only type of insurance that will cover your car once it has been broken into or vandalized is comprehensive or full coverage. While full coverage will pay for the damages to your car, it will not pay for the items that were stolen. You do have the option of turning the stolen items in on your homeowner’s policy, but that may be more costly. Homeowner’s policies are normally reserved for items of the most value that is why the deductibles are higher than for an auto policy. It may not be cost effective to turn the item in on your homeowner’s insurance if you have to pay a high priced deductible before you get the money to cover your lost items.
If you live in the Lansdale, PA area and have concerns about your auto insurance policy, call the agent of Farrell Insurance Associate, Inc. today. We can answer your questions and make sure you have the right policy for your individual needs. Also, for quotes right from home, try our online rating tool for your auto and home insurance policies.