One of the issues some people have with online shopping is the shipping process. While you’re at work, what happens to the packages that sit at the foot of your stoop. Thieves see this as an opportune time to swipe your purchases. We hear about it more and more these days, thieves will pick the package right up off your door step and walk away with it. What happens if your package was stolen from your doorstep?
If you’ve ever wondered if your Connecticut homeowners insurance would cover something like this, you’re not alone. If you’ve ordered gifts online and they are stolen…now what? Once the package has been delivered by the delivery service, it belongs to you, so unfortunately, you are responsible for it. In this case, your homeowner’s insurance policy should cover you, but it would be subject to your deductible.
What about if you are shipping your gift to a friend or family member and it is stolen? It turns out that the shipper should have insurance through the delivery service. However insurance but may not be guaranteed. If getting your package stolen is a concern of yours, it might be a good idea to ask questions. Inquire with someone on the website you are ordering from or even call the shipping company directly and see what their policy is. Asking questions and keeping yourself informed can make a huge difference!
Whether or not you would have coverage for an incident like this under your Homeowners Insurance policy varies greatly on your policy. Because each policy is unique, if you have more questions about your coverage and this topic (or any others) the best thing to do is ask your agent!