Protect Your Holiday Deliveries: What to Know About Porch Theft and Insurance

The holiday season brings more online shopping, more deliveries, and unfortunately, more porch theft. With millions of packages delivered each year in November and December, porch piracy has become a growing concern for homeowners and renters alike. If you’re expecting gifts, décor, or important holiday items, it’s important to understand what your insurance covers and how to protect your deliveries.

Are Stolen Packages Covered by Homeowners or Renters Insurance?

In many cases, yes. Homeowners and renters insurance typically include protection for theft under personal property coverage.

Here’s how it works:

Personal property coverage: If a package is stolen from your porch, your policy may reimburse you for the value of the stolen items, up to your coverage limits.

Deductible considerations: Your deductible applies to these claims, so if the package value is lower than your deductible, filing a claim may not make sense.

Off-premises coverage: Many policies extend protection beyond your home, including items stolen from apartment lobbies, mailrooms, or alternate delivery locations.

Credit card purchase protection: Some credit cards include coverage for stolen items. It’s worth checking your card benefits before filing a claim through insurance.

Quick Insurance can help you review all options and determine the best approach for your situation.

How to Prevent Porch Theft During the Holidays

Insurance is helpful after theft occurs, but prevention is the best first step. Simple ways to protect your deliveries include:

Install security cameras or a video doorbell.Use secure pickup options such as Amazon lockers or in-store pickup.Require a signature for high-value deliveries.Ask a trusted neighbor to collect packages if you’re not home.Track shipments closely so you can bring them inside quickly.Use a lockable parcel box to keep deliveries secure.

Why Reviewing Your Coverage Matters This Season

With more packages delivered during the holidays, the risk of theft increases. Now is the perfect time to review your homeowners or renters insurance to ensure your coverage limits, deductibles, and policy details still fit your needs. New purchases, rising replacement costs, and holiday spending can all affect your protection.

As independent brokers, Quick Insurance works with multiple top-rated carriers—not just one. Whether your coverage is through Nationwide, Travelers, Progressive, Utica, or another provider, we help make sure you’re properly protected.

Don’t Let a Porch Pirate Steal Your Holiday Cheer

The holidays should be enjoyable, not stressful. A quick policy review can help you step into the season with confidence. Don’t let a porch pirate steal your holiday cheer—check your coverage today.