In Texas, the increasing number of packages stolen directly from doorsteps has made "porch piracy" a growing concern, especially during holidays or major sales events. When theft occurs, homeowners often wonder if their insurance policy can help recover the loss. While coverage may be available, the answer isn’t always straightforward. Boss Insurance Agency, serving Kingwood, TX, explains how Texas homeowners’ insurance policies handle this type of theft and offers tips to protect your property and peace of mind better.
Theft Coverage Depends on Policy Terms
Most standard homeowners’ insurance policies include coverage for stolen items, even if the theft happens outside the home. This means a package stolen from your porch may be covered under your personal property protection. However, reimbursement typically depends on whether the value of the stolen item exceeds your deductible.
Documentation and Police Reports Matter
To qualify for reimbursement, insurers usually require proof that the item was delivered and then stolen. Delivery photos, security camera footage, or video from devices like a Ring doorbell can provide the necessary evidence. Additionally, filing a police report is often required for theft claims in Texas, even though some policyholders may overlook this step.
Additional Options for Protection
While homeowners’ insurance may offer limited coverage, there are other ways to safeguard against porch piracy. Many Texans opt for package lockers, in-store pickup, or third-party delivery insurance to safeguard their deliveries. If you frequently receive high-value packages, consider increasing your coverage limits or adding a rider specifically for theft from your property.
Porch piracy can feel like a violation, but you’re not powerless. Review your homeowners insurance policy for specific theft coverage terms, and consult your agent about updating your policy to address your needs better. Staying informed ensures that if the worst happens, you’re prepared to recover quickly. Contact Boss Insurance Agency, serving Kingwood, TX, to learn more about your options.
