find a broker

Find a Broker

FR

LoginMy Account
Western Financial Group Western Financial Group
  • Personal

    Home Insurance

    Home Insurance

    Condo Insurance

    Renter's Insurance

    Seasonal Property Insurance

    Mobile Home Insurance

    Vehicle Insurance

     

    Car Insurance

    Motorcycle Insurance

    RV Insurance

    Boat Insurance

    ATV Insurance

    Snowmobile Insurance

    Vehicle Replacement Insurance

    Health & Life Insurance

    Life Insurance

    Disability Insurance

    Critical Illness Insurance

    Mortgage Life Insurance

    Financial Insurance

     

    TFSA

    GICs

    RESPs

    RRSPs

    Travel Insurance

     
  • Business

    Commercial Insurance

     

    Business Insurance

    Business Life Insurance

    General Liability Insurance

    Commercial Property Insurance

    D&O Liability Insurance

    Rental Property Insurance

    Legal Protection Insurance

    Errors & Omissions Insurance

    Cyber Liability Insurance

    TotalProtect Insurance

    Fleet Insurance

    Farm Insurance

    Product Liability Insurance

    Employee Benefits

    Employee Benefits

    TotalGuard Insurance

    Group Insurance 

     

    All Insurance Programs

    AMM Municipal Insurance Program

    CRA Insurance Program

    CVMA Insurance Program

    Crop Inputs Insurance Program

    Haven Municipal Insurance Program

    Hospitality Insurance Program

    Juno Restaurant Insurance

    BCRFA Restaurant Insurance

    Groupex Insurance Partnership

    CAM Movers Insurance

    Musical Instrument Insurance

    Independent Retail Insurance

    CAMA Insurance Program

    Biz Benefits Partnership

     

    Event Liability Insurance

     

    Charity Events or Fundraising Insurance

    Conferences and Conventions Insurance

    Corporate Events and Seminars Insurance

    Farmers’ Market Insurance

    Festival Insurance

    Hole-in-one Contest or Golf Tournaments Insurance

    Product Launches and Promotional Events Insurance

    Sporting Event Insurance

    Wedding Insurance

    Industries

    Cannabis

    Construction

    Contractors

    Daycares

    Greenhouses

    Hotels and Motels

    Manufacturing

    Municipalities

    Professional Services

    Property Management

    Retail

    Restaurants, Cafes, Delis, Fast Food

    Skilled Trades

    Technology

    Welders

  • Services

    MyWestern

    Payment Setup

    Registry Services

    Community Emergency Resources

    Personal Insurance Claims

    Commercial Insurance Claims

    Risk Management

  • About Us

    About Western

    Who We Are

    Executive Team

    Divisions

    Partners

    Western Coast Insurance

    Wyatt Dowling Insurance

    Sustainability

    Diversity, Equity and Inclusion

    Western News

    Blogs

    Careers

    Contact

    Communities Foundation

    Our Giving Programs

    About the Foundation

    Annual Giving Reports

    Annual National Walk

    Community Infrastructure Grants

    Foundation FAQs

    Sponsorship

    Western Communities Foundation

    Your donation will help improve local communities.

    Donate

1-866-860-1958

Get a Quote

Get a Quote

Main Menu

  • Personal
    • Home Insurance

      • Home Insurance

      • Condo Insurance

        Renter's Insurance

        Seasonal Property Insurance

        Mobile Home Insurance

    • Vehicle Insurance

       
      • Car Insurance

      • Motorcycle Insurance

        RV Insurance

        Boat Insurance

        ATV Insurance

        Snowmobile Insurance

        Vehicle Replacement Insurance

    • Health & Life Insurance

      • Life Insurance

        Disability Insurance

        Critical Illness Insurance

        Mortgage Life Insurance

    • Financial Insurance

       
      • TFSA

        GICs

        RESPs

        RRSPs

    • Travel Insurance

       
  • Business
    • Commercial Insurance

       
      • Business Insurance

      • Business Life Insurance

        General Liability Insurance

        Commercial Property Insurance

        D&O Liability Insurance

        Rental Property Insurance

        Legal Protection Insurance

        Errors & Omissions Insurance

        Cyber Liability Insurance

        TotalProtect Insurance

        Fleet Insurance

        Farm Insurance

        Product Liability Insurance

    • Employee Benefits

      • Employee Benefits

        TotalGuard Insurance

    • Group Insurance 

       
      • All Insurance Programs

        AMM Municipal Insurance Program

        CRA Insurance Program

        CVMA Insurance Program

        Crop Inputs Insurance Program

        Haven Municipal Insurance Program

        Hospitality Insurance Program

        Juno Restaurant Insurance

        BCRFA Restaurant Insurance

        Groupex Insurance Partnership

        CAM Movers Insurance

        Musical Instrument Insurance

        Independent Retail Insurance

        CAMA Insurance Program

        Biz Benefits Partnership

         
    • Event Liability Insurance

       
      • Charity Events or Fundraising Insurance

        Conferences and Conventions Insurance

        Corporate Events and Seminars Insurance

        Farmers’ Market Insurance

        Festival Insurance

        Hole-in-one Contest or Golf Tournaments Insurance

        Product Launches and Promotional Events Insurance

        Sporting Event Insurance

        Wedding Insurance

    • Industries

      • Cannabis

        Construction

        Contractors

        Daycares

        Greenhouses

        Hotels and Motels

        Manufacturing

        Municipalities

        Professional Services

        Property Management

        Retail

        Restaurants, Cafes, Delis, Fast Food

        Skilled Trades

        Technology

        Welders

  • Services
    • MyWestern

      Payment Setup

      Registry Services

      Community Emergency Resources

      Personal Insurance Claims

      Commercial Insurance Claims

      Risk Management

  • About Us
    • About Western

      • Who We Are

        Executive Team

        Divisions

        Partners

        Western Coast Insurance

        Wyatt Dowling Insurance

        Sustainability

        Diversity, Equity and Inclusion

        Western News

        Blogs

        Careers

        Contact

    • Communities Foundation

      • Our Giving Programs

        About the Foundation

        Annual Giving Reports

        Annual National Walk

        Community Infrastructure Grants

        Foundation FAQs

        Sponsorship

LoginMy Account

FR

1-866-860-1958

Get a Quote

Find a Broker

Holiday Gifts Stolen During a Break-In: Does Home Insurance Cover It?

Does Home Insurance Cover Stolen Holiday Gifts?

The holiday season is a time for joy, giving, and gathering with loved ones. But as we fill our homes with gifts and holiday cheer, it’s easy to overlook an unfortunate reality: the season is also a peak time for home break-ins. With valuable holiday gifts for family and friends often in the mix, it begs the question—if these items are stolen during a break-in, does your home insurance policy have you covered?

Let’s look at how home insurance works when it comes to stolen holiday gifts, how you can protect your belongings, and what steps to take if you find yourself in this unfortunate situation.

Does home insurance cover stolen holiday gifts?

The good news for homeowners and renters alike is that most standard home insurance policies do cover stolen personal property, including holiday gifts. Whether the gifts are for your family or friends, they typically fall under the “personal belongings” category in your policy.

As with any insurance question, though, the specifics depend on your individual policy. Here are the key aspects to consider:

1. Personal property coverage

Personal property coverage is a standard part of home insurance policies, designed to protect the items you own against theft, damage, or loss. This includes the gifts you’ve purchased and stored in your home, as long as they were stolen during a covered incident, like a break-in.

For example:

  • If your home is broken into and gifts under the tree are stolen, your home insurance should reimburse you for their value, subject to policy limits and your deductible.
  • If you bought a pricey watch or designer handbag as a gift and it’s taken, that item would likely be covered under this section of your policy, but you’ll need to check your policy.

2. Policy limits

Every home insurance policy has limits on personal property coverage. This means there’s a maximum amount the insurer will pay for stolen items. For example, if your personal property coverage limit is $50,000, that’s the most you can claim for all stolen or damaged items.

It’s important to note that high-value items, like jewelry, electronics, or collectibles, may have sub-limits. If you’ve purchased a particularly expensive gift, you might need additional coverage (often called a rider or endorsement) to ensure it’s fully protected.

3. Deductibles

Your deductible is the amount you agree to pay out of pocket before your insurance coverage kicks in. For example, if your deductible is $1,000 and the value of the stolen gifts is $1,500, your insurance will reimburse you $500.

For smaller losses, it may not make financial sense to file a claim, as the reimbursement might be less than or only slightly above your deductible.

What about gifts stored outside your home?

Not all gifts are stored under the tree. Sometimes, we stash presents in the car, in the garage, or even at a relative’s house to keep them a surprise. What happens if those gifts are stolen?

1. Gifts in your vehicle

If gifts are stolen from your car, your home insurance may still cover them under the “off-premises” clause in your policy. This clause extends coverage to personal belongings stolen outside your home, such as from your vehicle or a hotel room.

It’s worth noting that your car insurance typically won’t cover stolen personal property—it only covers the vehicle itself and its built-in components.

2. Gifts at someone else’s home

If you’re storing gifts at a friend’s or family member’s house and they’re stolen, your home insurance might still cover them. Again, this depends on your policy’s off-premises coverage limits. Be sure to check with your insurer to confirm what’s included.

How to file a claim for stolen holiday gifts

If you experience a break-in or theft, taking prompt action is crucial to ensure your claim is processed smoothly. Here’s what to do:

1. Report the incident to the police

Before contacting your insurance company, report the theft to the police. A police report is often required when filing an insurance claim for stolen items. Provide as much detail as possible, including:

  • A list of stolen items
  • Estimated value of the gifts
  • Any evidence, like photos or receipts

2. Document the loss

Compile a detailed inventory of the stolen gifts, including:

  • Descriptions of each item
  • Original purchase price
  • Date and place of purchase
  • Receipts or credit card statements, if available
  • Photos of the items, if you have them

Documentation is key to ensuring your claim is processed without delays.

3. Contact your insurance provider

Notify your insurance provider as soon as possible. They will guide you through the claims process and let you know what additional documentation may be required. Be prepared to provide:

  • A copy of the police report
  • Your inventory of stolen items
  • Any proof of purchase or ownership

4. Work with the adjuster

An insurance adjuster may need to assess the loss. Cooperate fully and provide any additional information they request. Once the claim is approved, you’ll receive reimbursement for the stolen gifts, minus your deductible.

Tips to protect your holiday gifts

Here are some tips to help protect your holiday gifts from theft:

1. Invest in home security

A visible security system can deter burglars. Consider installing:

  • Door and window sensors
  • Motion-detecting lights
  • Security cameras
  • Smart locks

2. Keep gifts out of sight

Avoid leaving gifts in plain view through windows or in your car. Store them in a secure, concealed location until it’s time to give them.

3. Use secure wrapping locations

If you’re wrapping gifts at home, choose a location that’s not easily visible or accessible to potential intruders.

4. Insure high-value items

For expensive gifts, consider purchasing additional insurance coverage. This ensures they’re fully protected, even if your standard policy limits are exceeded.

5. Be cautious with online shopping

If you’re shopping online, ensure packages are delivered to a secure location. Consider using package lockers, requiring a signature for delivery, or having items shipped to your workplace.

Final thoughts

Having holiday gifts stolen during a break-in is an upsetting experience but knowing that your home insurance can help ease the financial burden provides some peace of mind. As always, it’s essential to review your policy’s details to ensure you have adequate coverage, especially during the holidays when the value of belongings in your home might increase.

By understanding your coverage, taking preventive measures, and knowing how to navigate the claims process, you can enjoy the holiday season with confidence. If you’re unsure about your policy’s specifics, don’t hesitate to reach out to your insurance provider for clarification.

Remember, the holidays should be a time for celebration—not stress. A little preparation can go a long way in protecting your gifts and preserving the joy of the season.

GET A QUOTE

Recent Blog Posts

Mark Missal Farm Insurance
Western's Farm Insurance Has Roots in Our Communities

May 8, 2025


Spring Cleaning Boat
Why You Need to Clean Your Boat in the Spring

May 7, 2025


Car Kill Switch Theft Prevention
Will a Kill Switch Stop My Car from Being Stolen?

May 5, 2025


Western Financial Group

2025 Western Financial Group. All rights reserved.

Privacy / Legal | Accessibility Guidelines | Fair Treatment of Customers Policy | Terms of Use | Compensation Disclosure | Complaints Process | Media Relations | Mergers & Acquisition | Careers | Sitemap