Discovering your outdoor trash or recycling bin has been stolen is frustrating. Your immediate question is likely, "Is this covered?" The answer depends on your location and insurance. First, contact your local waste management department or municipal authority. Many cities and service providers have policies to replace stolen bins, often for a small fee or sometimes for free on the first occurrence. They may require you to file a police report. Next, check your homeowner's or renter's insurance policy. While technically personal property, the bin's value is usually below your deductible, making a claim impractical. To prevent future theft, consider securing your bin with a lock, keeping it in a garage or backyard until collection day, and marking it with your house number. Proactive steps are your best coverage against this inconvenient crime.
What happens if my outdoor trash bin is stolen? Is it covered?
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