It Happens in Seconds: Don’t Let Porch Pirates Steal Your Holiday Joy

The online shopping is done, the shipping confirmation has arrived, and you’re eagerly awaiting that special delivery. But as packages pile up on doorsteps across Chillicothe, so does the opportunity for theft. A porch pirate can snatch your holiday joy—and your purchases—in a matter of seconds.

It’s a frustrating violation, but what happens after the package is gone? At DSB Insurance Agency, we want you to be informed.

Is a Stolen Package Covered by Insurance?

The short answer is typically yes. A standard homeowners or renters insurance policy includes coverage for your personal property, and that coverage extends to items stolen from your porch or yard.

However, there are two important things to keep in mind:

1. Your Deductible: You will have to pay your deductible before your insurance coverage kicks in. If a stolen package is worth $100 and your deductible is $500, it wouldn’t make financial sense to file a claim. Claims are best reserved for higher-value thefts.
2. Filing a Claim: A history of multiple small claims can sometimes impact your future insurance rates.

Because of this, prevention is always the best strategy.

5 Tips to Outsmart Porch Pirates:

1. Track Your Packages: Use tracking numbers to know exactly when your items are scheduled to arrive.
2. Require a Signature: For high-value items, require a signature upon delivery to ensure they are never left unattended.
3. Utilize Smart Technology: A video doorbell is a powerful deterrent and can provide crucial evidence if a theft does occur.
4. Ship to an Alternate Location: Consider having packages delivered to your workplace or to a secure Amazon Locker location.
5. Ask a Neighbor: If you know you won’t be home, ask a trusted neighbor to keep an eye out and hold your packages for you.

Don’t let thieves ruin your holiday spirit. A few proactive steps can ensure your gifts arrive safely. If you have questions about your personal property coverage, contact Jason D. Brown at DSB Insurance Agency for a policy review.