Does Home insurance cover my stolen purse?

The joy of the holiday season has finally arrived. Well, at most places other than Popeye's where waiting for a chicken sandwich is still a extremely non festive experience. That's a story for another day however. I had a customer recently call because her purse had been stolen and she wanted to know if there was any coverage under her Home Insurance policy.
This is the time of the year where we spend a lot of time running around stores checking items off long lists. We are often distracted dealing with crowds and looking at shelves. This is an opportune time for thieves to take advantage of those distractions. If you leave your cart unattended with your purse you could easily become a victim.
Now, what happens if you have your purse stolen with your credit cards, ID, Social Security Number, and house keys? First of all if you are still walking around with your Social Security card take that thing out and put it away. This isn't 1960 people! Take a minute to learn your number and then put it away somewhere safe. 
Most credit card companies are great about cancelling a card and refunding your card if there is fraud. But, make sure you call them as soon as you can. Your ID will need to be replaced and that will require a trip to the dreaded DMV in California. They don't let you replace the ID over the phone or by mail. It requires a trip in.
Now, what will homeowners insurance cover. The first thing are keys. Many home policies will cover the cost of getting your house re-keyed. That's a nice little benefit most people don't think about. Just give the claims department a call and tell them your keys were stolen and they will send someone out to your house. 
Identity theft! Many home insurance policies have limits for ID theft. Basically, they will help reimburse you for any expenses related to getting your credit repaired.
Now you know how Home Insurance can help you get things back in order. The best thing to do however is avoid the hassle and keep an eye on your purse and or wallet so that you don't have to put all your valuable stuff back together. Call today to get a quote on Home Insurance 951-395-0754