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Stolen Items Auto Insurance: Are You Covered for Theft?

Updated: November 21, 2018

People often make the mistake of thinking that items stolen from their car are automatically covered by all auto insurance policies.

This is not true. Often times you need to get stolen items auto insurance in order to get this protection.

A lot of people are confused about stolen items auto insurance and how it works.

A significant portion of insurance policies offered in the United States DO NOT offer any protection for items that are stolen from inside the car.

This means that if you want stolen items auto insurance, you will need to get renters insurance or homeowners insurance.

What is Stolen Items Auto Insurance?

Unfortunately, the major facets of auto insurance do not cover stolen items. A lot of people mistakenly think that comprehensive coverage gives them this protection.

For example, people who leave laptops, cell phones, wallets or their purses in the car will not get coverage for these items being stolen through their auto insurance policy.

However, comprehensive auto insurance only covers your vehicle and the items that are directly associated with your car. For example, a comprehensive policy covers the car being stolen or damaged, windows being shattered, broken locks, stolen GPS systems and other broken parts of the car.

What does comprehensive insurance not cover? There is no protection for items that you put in your car overnight or while you were at work. For example, people who leave laptops, cell phones, wallets or their purses in the car will not get coverage for these items being stolen through their auto insurance policy.

In order to cover these items, you will require some form of renters or homeowners’ insurance.

The reason auto insurance policies do not cover these items is because they are not directly related to your vehicle in any way. Insuring these items would also drastically increase auto insurance premiums.

Does Your Auto Insurance Policy Include Stolen Items Auto Insurance?

It is always worth checking if your insurance policy includes stolen items auto insurance. But the reality is that most auto insurance policies offer no protection for stolen items in the main three components (liability, comprehensive, collision) or through add-ons.

When you get into an auto insurance claim settlement process, you may request compensation for items that were stolen from inside the car.

The best thing you can do is speak with your insurance agent and ask them whether there is any possibility of getting stolen items auto insurance. If they say no, you are better off getting a sold renters or homeowners’ insurance policy.

When you get into an auto insurance claim settlement process, you may request compensation for items that were stolen from inside the car. Unfortunately, the insurance company is not legally obligated to provide you with compensation for these items.

This can often result in people losing out on thousands of dollars’ worth of electronics, jewelry or cash that they left on their car seat or in the glove compartment.

If you are going to be leaving items that are valuable inside your car, you need to get some form of protection for those items.

Do You Need Stolen Items Auto Insurance?

There are many cities in the United States where we get reports of people trying to break into cars in the middle of the night. This even happens in safe, suburban neighborhoods.

If you have any cash or valuables in the car and it is unlocked, you are in danger of having those items stolen.

How do they break into cars at night? They simply walk around neighborhoods to see if anyone left their car unlocked. Since people think their neighborhood is safe, they sometimes forget to lock the car.

If you have any cash or valuables in the car and it is unlocked, you are in danger of having those items stolen. In order to protect against such theft, you need to get a renters’ insurance or homeowners’ insurance policy that provides coverage for these items.

Speak with the relevant insurance agent to make sure the renters’ or homeowners’ insurance policy you are getting will protect valuables you leave in your car.

While you should still behave diligently and lock your car to prevent theft, you will now have peace of mind that you are financially protected if anything is stolen.

How to Save Money on Stolen Items Auto Insurance?

If you are looking to save money on stolen items auto insurance, you will want to get the best renters’ or homeowners’ insurance policy offered in your area.

While you may think you have a good deal right now, you will be surprised at the level of discounts you can get by shopping for a new policy every few years.

For those who currently have a policy that protects against these items being stolen, you can still save money on your renters’ or homeowners’ insurance premiums. Simply shop around and see if other companies in the area are offering better deals on similar policies.

While you may think you have a good deal right now, you will be surprised at the level of discounts you can get by shopping for a new policy every few years. And you may even get more stolen items coverage in the new policy.

Another way to save money on stolen items auto insurance is to make sure nothing is stolen! The more claims you file, the higher your rates will go in the future.

Keep your items safe by taking them inside. Or invest in a proper car alarm and GPS tracking system to limit theft and vandalism of the vehicle and its insides.

How do Auto Insurance Claims Work?

A lot of people will get frustrated when they are filing an insurance claim. They think they are entitled to stolen items auto insurance through their policy. Most of the time, they simply do not have the best information about their policy.

If you have comprehensive insurance and your car is broken into, stolen or vandalized, go through your policy and see what damage is covered.

When it comes to auto insurance claims, it is important to know the ins and outs of your policy. An insurance company will only provide compensation for items they are covering in your insurance contract.

If you have comprehensive insurance and your car is broken into, stolen or vandalized, go through your policy and see what damage is covered. Claim compensation for those damages and do not try to get compensated for stolen or missing laptops or jewelry.

Individuals who request compensation for items not covered in the insurance contract will only antagonize the insurance company and their attorneys.

If you have homeowners’ or renters’ insurance, you can file a claim with the relevant company about any items you think were stolen from your vehicle when it was stolen, robbed or vandalized.