Does Homeowners Insurance Cover Items Stolen From a Car?

Discovering that items have been stolen from your car can be an unsettling experience, often leading to immediate questions about insurance coverage. While many people might first consider their auto insurance, that policy primarily addresses damage to the vehicle itself, or its permanently installed components. The personal belongings inside your car, however, fall under a different type of insurance coverage.

Understanding Personal Property Coverage

Homeowners and renters insurance policies include personal property coverage. This coverage extends beyond your home, protecting belongings even when they are with you elsewhere. This is referred to as “off-premises coverage,” and it applies to personal items stolen from a vehicle.

Off-premises coverage is typically a percentage of your total personal property coverage, often capped at 10%. For example, a $100,000 policy might offer $10,000 for items stolen away from your residence. Your policy’s deductible will apply before any reimbursement. High-value items like jewelry, electronics, or firearms often have specific sub-limits, meaning lower maximum payouts, unless separately scheduled on the policy.

Commonly Covered and Excluded Items

Personal property coverage covers many items typically carried in a vehicle. This includes personal electronics like laptops, tablets, and cell phones, along with clothing, luggage, and other personal belongings. Coverage also extends to items like golf clubs, gifts, or navigation devices.

However, certain items are excluded from this coverage. Car parts, such as an installed stereo system or custom wheels, are covered by your auto insurance’s comprehensive portion, not your homeowners policy. Cash is often subject to limited coverage or is entirely excluded. Property used for business purposes requires a separate business insurance policy. High-value items exceeding standard sub-limits, like expensive jewelry or fine art, may not be fully covered unless specifically listed or “scheduled” on your policy.

Steps for Filing a Claim

If you discover items stolen from your car, first, report the theft to the police immediately. An official police report is a standard requirement for most insurance companies when processing a theft claim. This report provides a verified account of the incident and adds credibility to your claim.

After contacting law enforcement, compile a detailed list of stolen items. Include descriptions, estimated values, and, if possible, proof of ownership such as receipts or photographs. Promptly contact your homeowners or renters insurance provider to initiate the claim process, providing the police report number. Your insurer will guide you through necessary paperwork, which may include a proof of loss form. An insurance adjuster may contact you to verify details before a settlement offer is made, minus your policy’s deductible.