Does car insurance cover break-ins?

Comprehensive car insurance covers break-ins, but personal items stolen from your vehicle aren't covered. However, homeowners insurance and renters insurance can provide coverage for items taken from your car. If you bundle home or renters insurance with auto insurance, you can save about 12%. Shop around and compare multiple companies to secure auto insurance that covers break-ins.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 21, 2022

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The Highlights

  • Break-ins are covered by comprehensive car insurance
  • Comprehensive coverage doesn’t cover personal items that are stolen from your car
  • Bundle homeowners or renters insurance to your car insurance policy to get compensated for stolen items

Has your car been broken into recently? It’s a terrible feeling to return to your vehicle only to find someone had broken in. It’s perfectly normal to get angry and panic.

However, you’ll need to concentrate on finding a solution to recover. Don’t worry – we’re here to help. You can use your car insurance to help repair your vehicle.

But does car insurance cover break-ins?

Read our short guide to learn how you can cover break-ins with car insurance, what insurance you need to cover stolen items, and why you should compare car insurance companies.

When you’re done reading about car insurance coverage for break-ins, enter your ZIP code in the free comparison tool above to compare multiple insurance companies near you.

Does car insurance cover break-ins?

Comprehensive auto insurance is the only coverage that pays for damage from break-ins. The comprehensive claim will replace any original parts that were damaged or stolen.

Comprehensive insurance covers accidental damage that doesn’t involve a collision.

If your car is stolen, comprehensive coverage repairs the damage from vehicle theft. You will want to file a theft claim with auto insurance company. After reviewing and approving any insurance claims, your car insurance company will cut you a check for the cost of the vehicle if it’s determined to be a total loss.

You’ll pay a comprehensive deductible. A higher deductible lowers your car insurance rates, but it could be a roadblock if you have an expensive deductible.

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What do you do when your car gets broken into?

If your car has been vandalized and broken into, follow these tips.

  • Take Pictures
  • File a Police Report
  • Place a Fraud Alert on Your Credit (only if your wallet or purse was stolen)
  • Freeze Your Bank Account (only if your bank information or debit/credit card was stolen)
  • File a Comprehensive Claim with Your Car Insurance Company
  • Get Your Car Fixed after the Claim has Resolved

What about personal items? Which insurance type covers the items in your car if it gets broken into? Continue reading to learn more.

Does car insurance cover theft of personal items?

Comprehensive coverage and other car insurance options won’t cover stolen personal items.

Homeowners and renters insurance can cover personal items stolen from your car. Even aftermarket parts you put in your vehicle can be covered if a thief takes it.

But, you’ll need to pay a deductible before the homeowners or renters insurance company pays for anything.

Should I bundle car insurance with renters insurance?

It depends on your situation. However, it would be best to consider bundling car insurance to home insurance or renters insurance to be prepared for vehicle break-ins.

If you bundle auto insurance into homeowners or renters insurance, you can save about 12% on car insurance. However, your savings varies for each company.

Also, you’ll financially prepare yourself for any vehicle thefts. Read on to learn tips on how to protect yourself from car break-ins.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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How do I prevent vehicle break-ins?

According to Valley Times-News, 90% of vehicle break-in reports are from victims who left their car doors unlocked.

If you want to deter theft, always lock your doors. Take advantage of your vehicle’s alarm system. Double-check your alarm before bed or after you leave your car while shopping.

Don’t leave any valuables in your car. Most property crimes that occur are crimes of opportunity. Never leave personal items in your vehicle.

Car Insurance Covers Break-Ins: What’s the bottom line?

Comprehensive car insurance is the best coverage for stolen vehicle damage, vehicle break-ins, and paying for stolen OEM parts. Aftermarket parts aren’t covered.

If you want your aftermarket parts and other personal items covered by insurance, you’ll need to get homeowners or renter insurance.

Now that you know how car insurance covers break-ins, use our free online quote tool to start shopping with multiple companies in your local area.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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