Does car insurance cover stolen items?
Does car insurance cover stolen items? Car insurance doesn't cover stolen items. Comprehensive coverage only applies to a stolen car or stolen car parts, and will pay for damage to the car after a break-in. Personal items stolen from the car are not covered by car insurance, but your homeowners or renters insurance might pay for the items.
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UPDATED: Dec 14, 2021
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UPDATED: Dec 14, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Personal belongings are not covered if stolen from a car
- Comprehensive coverage only covers a stolen or damaged vehicle
- Depending on your insurance provider, your homeowners insurance may be used to cover stolen items from a car
Does car insurance cover stolen items? Unfortunately, a car insurance policy doesn’t cover the contents of your vehicle.
Comprehensive car insurance does cover your vehicle for theft, but it only covers the car itself and permanently installed parts. If you’re confused, you’re not alone. We’ll explain what type of theft is covered and what is not right here.
Find comprehensive car insurance rates for damaged or stolen vehicles in your area by entering your ZIP code in the free tool above.
Why does car insurance not cover stolen items?
Car insurance can only applies to the vehicle itself. Damage or theft to the car and not property inside the car is covered by comprehensive insurance.
Since car insurance does not cover stolen items, does car insurance cover a stolen car? Yes, a stolen car is covered, but you need comprehensive insurance.
Comprehensive coverage is strictly for damage to your car caused by incidents that are not collisions. That includes theft. The average monthly rate for comprehensive insurance is about $134 per year.
Theft of parts of the car is also covered by comprehensive insurance. You can file a claim for permanently attached parts of the vehicle.
For example, stolen tires. Does car insurance cover stolen tires? Yes, comprehensive insurance covers it, because they are a permanent part of your car.
What about tools for work or break-ins? Does car insurance cover stolen tools? Does car insurance cover break-ins? While car insurance does cover break-ins, it doesn’t cover any work or personal items that are taken. Again, only permanently attached parts and damage from the break-in are covered.
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What about personal items stolen from the car?
If your personal items are stolen from your car, is there any way to recover the loss?
Even though car insurance does not cover stolen items, you still have an option to help recover the lost money from the stolen items.
Homeowners insurance can cover the costs of stolen property. A homeowners policy with personal property coverage provides coverage for your personal property anywhere in the world.
Your coverage will depend on the company and the terms of your policy. Renters insurance also provides the same coverage.
Car Insurance and Stolen Items: The Bottom Line
Your car insurance will not cover the cost of personal belongings stolen from your vehicle. You may, however, have some coverage with a renters or homeowners insurance policy.
Comprehensive insurance will, however, pay for the damage to your car from a break-in, as well as any parts stolen.
Enter your ZIP code in the free tool below to see more comprehensive car insurance rates for damaged or stolen vehicles in your area.
Are you looking for free insurance quotes?
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.