Worried About Package Theft This Holiday Season? You’re Not Alone, GA and SC Homeowners

With the time change back to standard time and as package deliveries start ramping up across Georgia and South Carolina, so do reports of porch pirates making off with them. A recent Chamberlain Group survey found that nearly 7 out of 10 homeowners are worried about package theft — and it’s easy to see why.
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But here’s the big question: Would your homeowners or renters insurance cover a stolen package?

In most cases, yes — package theft is typically covered under your personal property protection. However, there’s an important catch: the item’s value must be higher than your deductible to make filing a claim worthwhile.

Since most homeowners deductibles range from $500 to $2,000, and most stolen packages are worth only $50–$200, it’s rarely in your best interest to file an insurance claim for this type of loss.

So, what should you do if your delivery doesn’t show up when tracking says it did?

• Double-check the tracking. Delivery scanners sometimes mark packages as “delivered” hours before they actually arrive.
• Ask your neighbors. Misdeliveries happen often — especially in subdivisions, condos, or rural areas where house numbers can be hard to see.
• Contact the carrier. UPS, FedEx, USPS, and Amazon each have claim options, and some include limited coverage.
• Reach out to the seller. Many online retailers (like Amazon, Walmart, and Home Depot) have theft protection or replacement policies.
• Check with your credit card company. Certain cards offer purchase protection, which may reimburse you for stolen or damaged items.

Smart Ways to Prevent Package Theft

• Have packages sent to your workplace, a trusted neighbor, or a delivery locker.
• Use Amazon Lockers, UPS Access Points, or FedEx Hold-at-Location services — available in many Georgia and South Carolina cities.
• Install a video doorbell or security camera — visible deterrents often stop thieves in their tracks.
• Request signature confirmation for higher-value purchases.
• Keep your porch well-lit and make sure your house number is easy to spot for delivery drivers.

Even if you never file a claim for stolen packages, this is a good reminder to review your homeowners or renters policy and understand how your deductible affects your coverage.

If you live in Georgia or South Carolina, an independent insurance agent who knows your area can help you find the right balance between cost, coverage, and deductible — and make sure your protection fits your lifestyle.
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Call me at 706-726-1446 and let’s review your coverage before porch pirates strike.