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Understanding Theft and Vandalism Insurance Claims

If you are the victim of theft or vandalism, you should immediately contact your local police department, or proper authorities, to report that a crime has occured. 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.

Here are some additional steps you should take to help us resolve your claim quickly:

  • Call Travelers to report your claim and obtain mitigation guidelines you can follow to ensure your safety.
  • 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.

Travelers' knowledgeable, caring Claim professionals will work with you to ensure your property is repaired or replaced.

Frequently asked questions

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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