![]() ![]() Before you pay online, check to see if your method of payment (bank credit or debit cards, or online payment systems like Venmo or PayPal) offer “purchase protection” (see below) for stolen or damaged items. ![]() Below are a few tips to help keep those “Porch Pirates” at bay, and what to do if your package is stolen: There are ways to help protect your packages from thieves. But if the value of your stolen package is more than your deductible and you can provide purchase information, the good news is that your policy is likely to provide replacement coverage. It is pretty typical for policyholders to select a high deductible with homeowners insurance, between $500 and $2500, to help manage the cost of monthly premiums. You may also want to consider the impact filing a homeowners claim for a stolen package will have on your future premiums. Keep in mind, though, that filing an insurance claim for a stolen package is subject to your deductible and may only be helpful if the stolen item’s value is well above your deductible amount. And if packages are stolen from your car, it’s not your auto insurance that will cover the loss but your Homeowners or Renters insurance. Most Homeowners and Renters Insurance provide coverage for your personal possessions both inside and outside of your home, including packages delivered to your doorstep. But it’s also good to follow some simple steps to help protect your home and deliveries from opportunistic thieves. If you suffer a costly loss – or damage to your home due to a theft – Homeowners or Renters insurance may help you recover from the loss. According to a survey by C+R Research, 43 percent of Americans reported having a package stolen in 2020, up from 36 percent in 2019. As online sales have skyrocketed the past few years, so have package thefts. Unfortunately, this is when package thieves, or “Porch Pirates”, take the opportunity to steal those delivered packages.Ĭhristmas is a notorious time for “Porch Pirates” to strike, but delivered packages can be stolen at any time, not just during the holiday season. Many of the items and gifts bought online during Black Friday, Cyber Monday and throughout the year will likely sit exposed on doorsteps and porches for a period of time until brought inside. Don't let Porch Pirates loot your packages! Should you file a stolen package claim with your insurance company?
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