Will property owner's insurance cover the theft of my vehicle while on someone else’s property?

My truck was sitting on my friend's neighbor's property in Missouri for 8 months and was stolen. I do not have full coverage insurance for the truck. Will the neighbor's property owner's insurance cover the loss of my truck? Thank you.

Answer
I’m so sorry to hear that your trunk was stolen. It is common for cars that aren’t being driven to be minimally insured, but unfortunately, it can put you at risk in situations like this one.
Home or property owner’s insurance will not cover theft of or from your vehicle. In order for the loss of your truck to be covered, you would need to have comprehensive coverage on your auto insurance policy.
If you do have comprehensive coverage, you can file a claim with your company for compensation for your truck.
Without comprehensive coverage, you may be able to be compensated for the loss of your vehicle if the thief is caught and convicted. At that point, you could sue for repayment, but the likelihood of success may be slim. Even so, be sure that you file a police report as soon as possible.
There’s no doubt that a situation like this is stressful, so it may be worth your time to cut out other stressors where you can, starting with your car insurance policy. Jerry is an insurance comparison app that shops for low prices with over 50 different insurance companies for free. Sign-up takes just 45 seconds and you will get quotes in seconds, can make changes at any time, and if you ever have any questions, agents are just a text away.
Chloe Jenkins
Answered on Jan 12, 2022
Chloe has a BA in Communication and Media Arts from Montclair State University and more than four years of experience in content writing, editing, and research. Before getting behind the keyboard at Jerry, Chloe was an Assistant Coordinator at her university and a film enthusiast working for the Montclair Film Festival. When she's not writing about car insurance, she spends her time with her pets, playing video games, or enjoying long weekend hikes.
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