Do insurance companies cover tire theft?

"Will full coverage cover the theft of my tires? Someone stole my tires, including my rims. They weren't customized, but the tires are only a few months old."

Answer provided by
Emily Maracle
Answered on Jul 28, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“The theft of your tires should be covered under your comprehensive insurance. Comprehensive coverage covers any damage done to your vehicle from a covered peril. This includes theft or vandalism.
Since the tires and rims were standard and not aftermarket, you shouldn’t have any issues with your insurance covering the theft. You will still have to pay your deductible first before your insurance covers anything though.
If the cost of your rims and tires are less than your deductible, you’ll have to pay out of pocket to replace them. If they are going to cost more than your deductible, you’ll pay your deductible and your insurance will cover the rest.”

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