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Understanding Theft and Vandalism Insurance Claims

Travelers’ knowledgeable, caring claim professionals will work with you to ensure your property is repaired and your sense of security is restored in the aftermath of a theft or vandalism. If you have experienced theft or vandalism, please contact Travelers as soon as possible to report the damage.

If you are the victim of theft or vandalism and your property has been stolen or damaged, be sure to

  • Report the matter to the local authorities
  • Call Travelers to report your claim and obtain mitigation guidelines you can follow to ensure your safety.
  • You may want to begin compiling a list of damaged or stolen items
  • Save any user/owner manuals, original purchase receipts, photographs, appraisals or credit card statements you may have related to the stolen items.

Frequently asked questions

When should I report my theft to the police or proper authority?

You should immediately contact your local police department or proper authority to report that a crime has occurred. The duties section of your policy requires this, but most importantly, it helps ensure that if your property is recovered, the authorities know to whom it should be returned.

Why is a recorded statement sometimes required?

A statement may need to be taken to assist us in capturing and recording the facts of what happened and to obtain sufficient details of the stolen items. A statement may also serve as evidence to help us pursue the responsible parties if the stolen items are recovered by the police.

I'm told some of the items that were stolen are subject to a special limit. What are special limits and where can I find more information about them?

Your policy may include special limits for specific items such as money, , jewelry and business related property. This means Travelers can pay you only up to a certain amount for those specific items. Check Section 1 > Property Coverage > Coverage C Personal Property of your Property policy to find a list of special limits.

What is considered an "off-premises theft" and an "on-premises theft"?

A theft that occurs at your insured home or the land upon which your home is built is considered an on-premises theft. A theft that occurs in other places – such as an item stolen from your motor vehicle in a parking lot, your wallet stolen at your workplace, or your camera stolen from a vacation rental property – is considered an off-premises theft.

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