Does car insurance cover stolen items?

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.

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.