Theft and vandalism

You return from work and notice that your home has been broken into. What should you do?

• Contact the police immediately and mark down the police report number.
• Proceed with the repairs necessary to ensure the premises are safe. Keep all damaged items and the repair receipts. These expenses are reimbursable.
• Compile a list of damaged property using our damage statement (PDF - 28 KB).
• Gather your sales receipts, instruction manuals, warranties, photos or any other proof of ownership.
• Contact our Claims Department at 1 800 461-0770 to report the loss.

Theft inside your vehicle

When a theft occurs inside your vehicle, the loss applies to both your home (for the stolen property) and your auto (for the damage to the vehicle) insurance policies. This is why two deductibles usually apply.

However, at La Capitale, we handle things differently! If both your car and your personal property are insured with La Capitale, you'll only need to pay the higher of the two deductibles.

Stolen car keys

If both your car and your personal property are insured with La Capitale, there will be no deductible to pay for the replacement of ignition keys or door keys, or for reprogramming key fobs.