Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

Advertiser Disclosure

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 providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Auto & Home Insurance

A common concern of many homeowners insurance policyholders is whether or not home insurance actually covers the theft of property from a car. If you are the victim of a car burglary you will definitely want to know.

Your car insurance will actually cover any items that are attached to your vehicle or if the vehicle itself is stolen; however, personal belongings that are stolen from the vehicle, including things that you customarily use in the car like a GPS system, are not covered. That’s when you turn to your homeowners insurance policy.

Read on to learn the specifics of what is covered by home insurance and what is covered by car insurance in the event of a theft of property from a vehicle. Also, be sure to enter your zip above to find and compare free home and auto insurance quotes!

What Home Insurance Actually Covers in Theft from a Car

If you check your home insurance policy and look under Coverage C – Personal Property, you will find a detailed answer to your question about what your policy actually covers. It extends you coverage for your personal belongings regardless of where they are. However, there are some exclusions and limitations to this section of the policy. By reading the fine print on yours, you will know where you stand.

Typically, personal belongings away from your home are covered at about 10% of the value of the coverage you have on your home. There are many limitations on the amount of coverage for computers and electronics equipment, things that are often stolen from vehicles. Make sure you know the details of your particular policy and you may be able to purchase riders to extend that coverage.

If the items that you had stolen were things you use as a part of your business, you will find that your homeowners insurance policy has even more extensive limitations on how much you can claim.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Why it Often Doesn’t Make Sense to File a Claim

Despite the fact that you can make a homeowners insurance claim for items stolen from a car, it does not always make sense to do so. One of the biggest factors is the deductible on your homeowners insurance policy. Many people keep it at $500 and above in order to keep their premiums low. This may preclude many insurance claims for items stolen from a vehicle.

If the deductible is so high that it means you will get very little money towards retribution, you may want to forego the claim to avoid the damage that small claims can do to your premium. In order to keep your premiums low, you will want to avoid frequent or small claims, as they do have an impact on the price you pay for insurance.

If you paid cash and the receipt is in the bag with the item, you may have a very hard time convincing any insurance company that you ever owned such an item and that it was indeed stolen. If there are no signs of forced entry into your car, you may also find that it is difficult to deal with the insurer. If you left your car unlocked and theft occurred, it makes you look as if you are attempting to commit fraud.

Many homeowner insurance policies have coverage for personal property at actual value. What this means is that you will not receive enough money to actually repurchase the item new. Therefore, it is wise to look at putting a replacement cost endorsement on your policy at least for personal property so that you will actually receive enough to replace your items, if you do make a claim.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Buying the Right Homeowners Insurance

If you are looking for protection from theft of property from a car, ironically, you will need home or renter’s insurance. When looking to buy home insurance, there are many things to consider. First it makes sense to shop around for prices and compare not only dollar amounts, but also the coverage offered, the customer service record of the company and its financial stability.

An excellent way to start is by getting a variety of quotes from top insurance companies with a free online quote tool. These tools are easy to use and will quickly get you started with multiple quotes at once. Use price comparisons to narrow the list of companies to look into further.

The companies you are actually considering buying from should be checked out through one of the independent insurance ratings companies, such as A.M. Best, Standard & Poor’s or Moody’s. Their ratings will tell you if the insurer has a good financial standing and a positive outlook for the future. Check its customer service record through the state department of insurance or with a simple online search.

Get started today with our free online quote tool, for home insurance and auto insurance rates from competing insurance companies quickly and easily.