The Christmas season is here which means its time to head out to the local mall and load up on gifts. While the savings may be huge, the losses can also be big if you are unlucky enough to be hit by thieves who prowl the parking lots looking for a big haul. It’s not just presents they are stealing either, your entire car could be at risk. Statistically, vehicle content thefts do rise during the Christmas season. Here are a few things you need to know:
Homeowners Insurance
Most homeowner insurance covers the theft of vehicle content (anything not affixed to the vehicle), but you should check your policy. Also good to know is your deductible, which is typically $1000.
In Canada, homeowners insurance covers content theft from your vehicle wherever it is parked, unlike in the US, which only covers content if it is in your driveway.
Shopping Tips
Here are a few tips for keeping gifts safe:
- Put all of your gifts and any items of value in your trunk. If that is not a possibility, conceal them as best as you can.
- Always lock your vehicle and roll up all windows when leaving it in the parking lot.
- Car thieves often watch for shoppers that drop presents off and head back into the store so avoid unloading gifts and leaving your car in the same parking spot.
- Do not leave gifts in the car overnight if you do not have a secure garage.