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If personal items are stolen from an auto, why are they covered under a HomeProtector policy?

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If personal items are stolen from an auto, why are they covered under a HomeProtector policy?

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The auto policy provides $350 of coverage for loss to personal effects in or upon an auto. However, such coverage does not apply to theft, unless the entire vehicle is stolen. In order to protect a Policyholder’s personal furnishings, the HomeProtector provides coverage when such a theft loss occurs. 26.

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