Ask the Home Insurance Expert
QWill contents insurance cover Items that were stolen from my garage if I left it open?
Yes, the property stolen out of your garage should be covered by your homeowners policy’s content insurance. For any theft claim, you will need to make a police report of the theft and pay your deductible.
If you have receipts and pictures for the items stolen it will help speed up your claim payment. Keep in mind that home insurance will have a limit to how much it will pay for belongings. You should read your policy or speak to your agent to find out the details of how to make your claim and what your limits are.
Also, if your vehicle was stolen out of the open garage it would not be covered by your homeowners policy but by the comprehensive portion of your car insurance policy.
Read up on home insurance basics here.