Todd H. wrote:
> "gary" <gcott
...@co.riverside.ca.us> writes:
> > A thief broke into my garage through a locked entry door.
> > He stole tools, a suitcase, other items and a key-ring containing a
> > spare-set of car keys and a remote-transmitter. My HOMEOWNER'S
> > INSURANCE policy (issued by USAA) will cover all of those items.
> > To prevent the thief from returning and stealing my car, I had the car
> > door-locks changed, had new keys made, bought two new
> > remote-transmitters and had them re-programmed. USAA says I need to
> > file a claim against my CAR INSURANCE policy (issued by State Farm) for
> > these items.
> > Since my car was parked in the garage when the theft occurred,
> > shouldn't my homeowner's insurance policy cover these items, too?
> Not sure how your specific policy reads, but I'd encourage you to read
> the language and make a judgement of the veracity of this. Seems odd
> to me too. It wouldn't surprise me if it falls through the cracks of
> both policies honestly since it's preventive in nature rather than a
> loss of use issue.
> After this is settled, a home and highway policy typically saves you a
> good chunk of money and would have the benefit of eliminating this
> sort of fingerpointing and providing one stop shopping.
> The new remote transmitters probably weren't necessary by the way.
> Popping open the cover and re-setting some of the dip switches and
> hitting the learn button on your opener and hitting the button of the
> transmitters was probably all you needed there.
> Sorry this happened to ya all the same. Let us know how it shakes
> out. Maybe someone here has similar experience they can relay.
> Best Regards,
> --
> Todd H.
> http://www.toddh.net/
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