Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
Personal items inside a car are not covered by an auto insurance policy. Coverage for these personal items comes from a homeowner’s policy. Usually ten percent of the personal property limit is the amount that can be recovered if property is away from the residence. The loss of personal property is subject to the deductible on the homeowner’s policy.
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Items stolen from a car are typically not covered. However, there are exceptions. If you purchased an available rider, you may have limited coverage on some items. Also, certain items considered "permanent" parts of the vehicle would be covered. An experienced broker will find the policy that best covers this risk.
Live answer provided by: Ed Harris - Car insurance broker for 33 years and owner of several top-rated websites for consumers.
Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
No, if your car is broken into and personal items stolen from it, there is no coverage for those items. Your car policy, so long as you have Comprehensive Physical Damage coverage, will take care of the damage caused to your car in the act of this crime. You will need to file a police report of course. Next turn to your Homeowners', Condo Unit Owners' or Renters' Insurance policy for coverage for your stolen belongings.
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Live answer provided by: Ed Harris - Car insurance broker for 33 years and owner of several top-rated websites for consumers.