Does Car Insurance Cover Theft?

You might be wondering, does car insurance cover a car break-in?  

Consider this scenario. You park downtown on the street in public parking and go to dinner. When you come back to your car, you find it was burglarized and some of your personal items inside were stolen. Should you file an auto or homeowner’s insurance claim? 

Home insurance

First, you would file a homeowner’s insurance claim for the stolen personal items. It may provide coverage if theft is a covered peril on the policy. There may be specified limits on certain personal property, such as jewelry, so you should work with your agent as some items may benefit from being scheduled. Scheduling your items now will ensure they have the best protection possible prior to any loss.
Scheduled personal property is an endorsement to a homeowner’s insurance policy which extends coverage beyond the standard protection. By scheduling personal property, owners can ensure the full-value coverage of expensive items like jewelry, in the event of a claim.

Car insurance

Second, damage to the vehicle would be covered under the vehicle owner’s Personal Auto Policy if coverage other than collision (also called Comprehensive) is applicable to the vehicle. 

Talk to your local agent and make sure you have the right protection. Don’t worry, if something happens, your local agent will walk you through the claim process and help you get back on the road. 

Other common insurance questions

Does a pool affect homeowners insurance? 
A golf ball cracks my windshield, am I covered?
You lend your car to a friend and they hit a deer. Now what?