Waking up to see that your car was broken into and your personal items stolen is not an event that anyone wants to go through. But unfortunately this can and does happen. Will your car insurance cover your stolen things?
The truth is most auto insurance companies will not cover personal items that are stole from your vehicle. This is because car insurance is designed to cover damage to your vehicle, not the contents of your vehicle. however, as with most insurance policies, there are some exceptions and it varies from carrier to carrier. For example, there may be an optional add-on coverage for electronics or other valuables.
So while your car insurance may not cover stolen personal items, your homeowner's or renters insurance policy may be able to help! Most homeowner's and renters insurance policies provide coverage for personal belongings anywhere in the world. Its important to note that most policies will have sub limits for certain items, so its important to review your coverages with your insurance agent.

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