Does car insurance cover theft of my personal belongings from my car?


Someone broke my car window and stole my laptop and case. Does car insurance cover theft of my personal belongings from my car?

If you have a habit of leaving your laptop, gym bag or expensive CD collection in your car, you won't get any coverage from your personal auto insurance policy to replace them if stolen.

Enter Zip Code:

Car insurance is not intended to insure your personal property, its purpose is to protect you financially in case of an accident or fix your car in the event of a fire, theft, hail storm or other cause of loss. Your personal property is insured by your homeowner's or renter's insurance policy, not your car insurance policy. Your homeowner's insurance covers your personal property anywhere in the world up to a certain limit. The coverage amount will be specified as a percentage of your personal property limit, or Coverage B on your policy.

Unfortunately, most homeowner's policies have a higher deductible than a car insurance policy. So unless you are the victim of a significant theft amount, there is a good chance that the property stolen from your car won't meet the amount needed to file a claim. If you don't own a home, but rent an apartment, renter's insurance is cheap coverage and can provide you with liability and property coverage.

For more information on how to prevent theft from occuring, read our article on preventing car theft.

More car insurance information

Readers of Does car insurance cover theft of my personal belongings from my car? also found answers to the following car insurance questions.

Gap Coverage Car Insurance for Financed or Leased Vehicles

What does car insurance cover?

How much will my car insurance rates increase with a teen driver?

How Long will a DUI Affect my Car Insurance Rates?

Will my car insurance pay for damage to borrowed property?

My car insurance rates went up. What can I do?

Get lower car insurance rates with Pleasure Use

Like this page?
Share with friends!
Blog Articles

Quick Tutorial for Finding Car Insurance for a GMC Yukon

Insuring Your Mercedes-Benz S350 Just Got A Whole Lot Cheaper

How to Grab the Cheapest Price When Insuring Your Dodge Ram 2500HD Pickup

Easiest Guide to the Cheapest Maybach 57S Car Insurance Rates

Best Ways to Spend Less When Buying Volvo S40 Insurance

Learn How to Save Money on Chevy Lumina APV Insurance

Best 7 Tricks to Save on Pontiac Wave Insurance

How to Get the Absolute Best Rates When Insuring a Chevy Classic

Compare Car Insurance Rates
Car Insurance

Save MoneyChoose your state below to find the lowest car insurance rates!