Does Auto Insurance Cover Stolen Items? 

Auto insurance is essential for protecting your vehicle against various risks, including accidents, theft and vandalism.

However, many drivers are unsure whether their auto insurance policy provides coverage when it comes to stolen items.

Understanding Auto Insurance Coverage

Auto insurance policies typically include several types of coverage designed to protect you and your vehicle in different situations.

Comprehensive coverage is optional but highly recommended. It may help cover the cost of fixing or replacing your vehicle after non-collision events, including theft, vandalism, fire and natural disasters. If your vehicle is stolen, comprehensive coverage can help cover replacement costs.

Auto insurance policies can include coverage for personal property stolen from your vehicle. This coverage is typically limited and may have specific requirements or exclusions, so carefully  reviewing your policy is essential.

Homeowners and Renters Insurance May Help Cover Theft From Vehicles

Your homeowners or renters insurance may provide coverage if your personal belongings are stolen from your home or vehicle. However, the extent of reimbursement for replacing stolen property depends on the specifics outlined in your policy’s loss settlement provisions.

Steps to Protect Your Belongings

While auto insurance can provide some protection against vehicle theft, there are steps you can take to safeguard your belongings, including the following:

• Remove valuables—Whenever possible, avoid leaving valuables in your vehicle unattended. Thieves may target vehicles with visible items of value, such as electronics, jewelry or cash.
• Park in well-lit and safe locations—Avoid leaving your vehicle unattended in high-crime areas or areas known for vehicle theft.
• Use anti-theft devices—Car alarms, steering wheel locks or GPS tracking systems may help deter thieves.
• Report theft— If your vehicle or the things inside are stolen, report the theft to the police and your insurance company as soon as possible. Provide as much information as you can about the stolen items and the circumstances of the robbery.

Contact Us

Contact GEC Insurance Services in Arlington, Texas, to review your coverage and learn about your options for protecting the items inside your car from theft.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.