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Will My Truck Insurance Policy Cover Theft?

Perhaps you are someone who has a lot of do-it-yourself projects and requires a powerful pickup truck to help you. Maybe you have a commercial fleet of vehicles that you use for your business. Regardless, you have a lot of valuable equipment in your vehicle. This could include your radio, your GPS system, and anything you need for work, such as your computer. If someone breaks into your truck and steals these items, is this something that is covered by insurance? What do you need to know?

It Depends on the Insurance Policy

First, understand that it depends on the insurance policy. For example, if you have liability-only insurance coverage, this probably does not include any covered for theft at all. On the other hand, if you have comprehensive insurance coverage, there’s a good chance that you already have some protection against theft. A lot of collision insurance packages also include some degree of theft coverage.

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Furthermore, you should also check and see what the dollar amount of that coverage is. If you have a lot of valuable equipment in your truck on a regular basis, you need to make sure you have enough coverage to actually protect the value of the items in your truck.

How Do You Know if Theft Is Covered?

Are you wondering if your current insurance policy covers the loss of items due to theft? If so, you should reach out to your insurance company for clarification. They should be able to tell you quickly if theft is actually covered on your insurance policy.

If it is not, you can ask them to add a theft rider to your current policy. Similar the shopping for other insurance coverages, you should compare the premium against the value of the coverage you are getting. You need to make sure you adequately insure the value of the items you have in your truck. Compare this to the premium and see if it is worth it. If you are someone who has a lot of valuable work-related items in your truck, theft insurance is probably something worth having.

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Protect Your Belongings in Your Truck

Ultimately, you probably have a lot of valuable possessions in your truck. In addition to protecting the vehicle itself, you also need to make sure you protect the belongings inside of it. If you have questions or concerns about theft coverage, you should speak to your insurance company to clarify how much theft covered you have. You need to make sure this is something that is included in your insurance policy. Furthermore, you need to make sure you have enough coverage based on the value of the items you typically have in your truck.