Are stolen items covered by car insurance?

Are stolen items covered by car insurance? While comprehensive car insurance coverage does cover damages to your car from theft or vandalism, car insurance does not cover items stolen from your car. Are items stolen from your car covered by insurance at all? If you have personal property coverage under your homeowners or renters insurance policy, items stolen from your car will be covered.

Free Insurance Comparison

 Secured with SHA-256 Encryption

Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

Full Bio →

Written by

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

The Rundown

  • Car insurance does not cover items stolen from your car
  • Comprehensive car insurance only covers damages to your vehicle from theft or vandalism
  • Your homeowner’s or renters insurance policy may cover items stolen from your vehicle

If you’ve ever had your car broken into, you know it can be a frightening experience. If the culprit has stolen your purse or any other belongings, you’re probably asking yourself, “Are stolen items covered by car insurance?”

You may already know that comprehensive car insurance covers damages made to your car by vandals or thieves but are unsure whether or not it covers stolen items.

If your items were stolen, you might need to check your homeowner’s insurance policy.

Learn what car insurance covers, if car insurance covers stolen items, and how your homeowner’s insurance may help. First, enter your ZIP code into our free comparison tool above to find affordable car insurance in your area.

What does car insurance cover?

As you may already know, there are three major types of car insurance coverage: liability, collision, and comprehensive. Having all three on your policy is considered full coverage.

Liability only covers damage that you cause to another person or their vehicle in an accident. This is the most basic type of car insurance and is typically the minimum amount required by most states to drive legally.

Collision covers any damage that you receive in an accident, regardless of who is at fault. According to the Insurance Information Institute, this can even cover damage your vehicle receives from striking a tree or a pothole.

Finally, comprehensive covers damage that you receive outside of a collision. This includes damage from fire, theft, vandalism, natural disasters, falling objects, and animals.

If you want full coverage, it may be expensive. Comparing car insurance quotes from multiple companies can help you save. Try looking at three to four car insurance rates to find the best deal.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

 Secured with SHA-256 Encryption

Are stolen items covered by car insurance?

As we mentioned earlier, comprehensive car insurance covers damage done to your car from theft or vandalism. But will car insurance pay for stolen items?

Unfortunately, the answer is no. Any items stolen from your car in the event of a break-in will not be covered by your car insurance company.

Only things such as broken locks and windows will be covered by your comprehensive car insurance coverage.

You may now be wondering, “are items stolen from your car covered by insurance at all?” Fortunately, the answer is yes if you have homeowners’ or renters’ insurance.

What does homeowners insurance cover?

So now that you know homeowners insurance may cover items stolen from your car, you’re probably wondering what a typical homeowners insurance policy covers.

Typically, homeowners insurance covers the structure of your home, your personal property, injuries, and added living expenses.

If you opt for personal property coverage in a homeowners or renters insurance policy, items stolen from your car may be covered.

Will car insurance cover stolen items? Sadly, the answer is no, but knowing that homeowners’ and renters’ insurance can cover items stolen from your car is a big help.

If you are worried about break-ins, make sure to add personal property coverage to your homeowner’s policy.

Now that you know the answer to the question, “Are stolen items covered by car insurance?” start shopping for car insurance by entering your ZIP code into our free comparison tool below to buy car insurance from providers near you.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

 Secured with SHA-256 Encryption