Recently, one of my tenants had his car “broken into” while it was parallel parked outside the house. The robber took his new set of golf clubs worth ~$3,000. I put “broken into” in quotes because no window was smashed. He apparently left his car unlocked.
So who pays for the damage and loss if your car is broken into outside your home? Well as it turns out, it’s not your auto insurance that pays, but your renter’s, landlord’s, or homeowner’s insurance!