Sarasota Insurance Agency >> blog
Online shopping has introduced a great convenience for those who don’t have the time or preference for brick and mortar stores, but unfortunately it’s also introduced new risks to consumers. When your packages disappear from your porch before you ever get the chance to claim them, you can end up losing a lot more than money. Package thieves cause unnecessary stress and frustration for homeowners everywhere.
Fortunately there are some easy steps you can take to prevent your deliveries from vanishing. It’s also important to get equipped with the proper homeowners insurance, and an independent insurance agent can help you find the right coverage long before you’d ever need to use it. For starters, check out this guide to preventing porch package theft and how homeowners insurance can help, too.
Yes, however, it can get a little tricky. First of all, in order to file a successful claim, you’d need to be able to prove your package was actually delivered and then stolen, which can be a challenge. If the package wasn’t actually delivered, the fault would return to the sender. This is why large online retailers like Amazon have started photographing package deliveries, so they can’t be held liable if your package disappears later. If your package was delivered and then stolen, it becomes your responsibility.
What insurance companies refer to as “mysterious disappearance” doesn’t always indicate a theft. If you were able to provide proof of package theft, the issue would then become if the value of the goods you ordered exceeded your insurance policy’s deductible. Renters insurance deductibles can be lower, often between $250-$500, but homeowners insurance deductibles are typically one percent of the total value of your home. Unless what you ordered was really expensive, it’s unlikely to exceed this amount.
So, while it’s good to know that homeowners insurance can provide coverage for stolen packages, it’s also important to understand that you may not actually get your money back if your order wasn’t valuable enough to exceed your deductible. Beyond avoiding the hassle of filing unsuccessful insurance claims, however, it’s best to just prevent porch piracy all around.
Though unfortunately porch piracy has been steadily on the rise as online shopping becomes more popular, there is hope for homeowners who want to protect their packages. While it’s important to take steps to keep thieves from stealing your deliveries, it’s also important to be covered by homeowners insurance, especially if you ever order products or equipment that’s particularly valuable. Your independent insurance agent can help you find a policy that makes you rest easy.