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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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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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: Dec 14, 2021

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The Highlights

  • 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?

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

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