Where will you find coverage if some property is stolen from your car? This is a question I get from time to time when a client reaches out after a theft. The simple answer is, the coverage will come from your homeowners policy or your renters policy.

Your auto insurance policy will cover physical damage to your car. Listen here for how that works. There is no personal belonging coverage on your auto policy.

That coverage will come from your home or renters policy. The deductible to that policy will apply. In the event of your car being broken into, you may need to file two claims. One to repair the damage done to your car, and one to recover your stolen property.

As always, contact your agent for specifics.

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