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.

Is theft covered by car insurance if I leave my keys in my car?

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

What is an SR-22 filing and why do I need one?

Best tips and products to prevent car theft

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

Are portable electronics covered if stolen from my car?

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

Like this page?
Share with friends!
Blog Articles

Compare Auto Insurance Rates for a BMW 323is

Top Strategies to Lowering Your Mercedes-Benz 600SEL Insurance Rates

Time Saving Guide to the Lowest Price Lincoln MKX Auto Insurance Rates

Top 10 Ways to Save Money on Dodge Viper Insurance

Pontiac Firebird Owners Uncover How to Lower Their Auto Insurance Rates

How to Get the Lowest Price When Insuring Your Infiniti M45

Proven Tips to Save When Shopping for Insurance for Your Jaguar Sovereign

7 Excellent Ways to Lower Plymouth Horizon Insurance Premium

Compare Car Insurance Rates
Car Insurance

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