1. 15645 POINTS
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    Auto insurance does cover break ins to vehicles that you have insured under your policy. They are considered comprehensive claims and typically have a lower deductible than the collision portion of your policy. Sometimes, the comprehensive deductible is 0, which means you would likely have no out of pocket expense.

    If glass is broken along with damage to the vehicle, it is also covered.
    Answered on May 4, 2013
  2. 455 POINTS
    Todd Officer
    President, Officer Insurance, Nashville, TN
    Like Edward has already answered, car break-ins are covered if you have the vehicle insured with Comprehensive (also called "Other Than Collision" coverage.  Keep in mind thought, if anything is stolen - typically only those things permanently attached to the vehicle are covered under the auto policy.  If a purse, laptop or other personal property not attached to the vehicle is stolen - most carriers cover these things under a homeowners or rental policy and are subject to that policies deductible and limits.  So if your care gets broken into, you could be facing two claims and two deductibles unfortunately.

    Check with your local independent agent to verify your policy's specific language.
    Answered on May 5, 2013
  3. 627 POINTS
    Dan Lyles
    agent, Lyles Insurance, Wheelersburg, Ohio
    Break ins are covered under comprehensive coverage (aka "other than collision"). As long as you have comprehensive coverage, break ins are covered. Of course, you will have to pay out of pocket for your deductible. But some companies offer very low deductibles (some as low as zero). Some companies also offer a zero deductible for glass breakage.
    Answered on January 5, 2014
  4. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    When your car is damaged it is covered if you have physical damage coverages.  Comprehensive covers claims that come from damage other than collision.  The car will be repaired minus the deductible.  The contents stolen from the car, however, are not covered by the auto policy.  For the items in the car to be covered they must be covered by a homeowner’s or renter’s policy.
    Answered on May 21, 2014
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