When a child’s bike is stolen from the yard of your home in Bethlehem, Pennsylvania, it is usually covered by a home insurance plan. Most insurance companies will cover the theft of a kid’s property that was inside the home or yard in Northampton County.

Protecting Personal Property

Although each insurer will have a different plan and policy for your house, most companies will provide basic coverage to protect the personal belongings of every family member. Even the belongings of children who live in the house are covered, regardless of the particular item.

As a result, the bike that was parked inside the premises of the house is protected under most policies because it is a personal belonging that a child in the house owned.

Providing Proof

While the company should provide some basic coverage to pay for the theft of property, you may need to provide proof of the property before the company will pay for the replacement cost. Proof can come in the form of a receipt, pictures of the bi-cycle or any other document that shows that the bike was owned by the family.

Send the proof of ownership to the insurer when you make a theft claim. You may also be required to make a formal police report since it is a case of theft.

Protecting personal property from theft is part of the average homeowner’s insurance plan, so you should be covered if a child’s bike is stolen from the yard, your garage or inside the house. If you are not sure about the coverage you have on your house, call the insurer to determine if the property is protected. To learn more about protecting your home, contact us to talk to an independent agent.