Does Car Insurance Cover Theft?

Car insurance may help cover certain types of theft if you have comprehensive coverage. Comprehensive coverage will typically replace your car if it’s stolen, replace certain stolen parts, and repair damage caused by the theft or break-in.

Does Car Insurance Cover Stolen Items from My Car?

If parts are stolen, then your insurance may cover the cost to replace minus deductible. Your personal possessions, such as cell phones, wallets, golf clubs, and more, are not covered by your auto insurance. If an automobile was broken into at your home or your place of residence, your homeowner’s or renter’s insurance policies may cover the loss of personal goods.

When it comes to parts, your insurance may not cover upgrades like after-market stereos, entertainment options, and performance additions. Be sure to speak to your insurance agent to see if you can add additional coverage for these types of parts.

In summation, car insurance covers theft of the vehicle, theft of parts, and the damage caused by the theft, but may not cover your personal belongings.

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