Does Car Insurance Cover Theft Of Personal Items?

Introduction

Having personal items stolen from your car can be a devastating experience. Not only is it a loss of valuable items, but it can also leave you feeling violated and vulnerable. Fortunately, car insurance may be able to help you recover some of your losses if you have the right kind of coverage. But does car insurance cover theft of personal items? Let's take a closer look.

What Is Personal Property Insurance?

Personal property insurance is an optional coverage that you can add to your auto insurance policy. It provides protection for your personal items in the event of theft or damage, including items such as clothing, electronic devices, jewelry, and other personal possessions. It is sometimes referred to as "contents coverage" or "personal articles insurance".

Most car insurance policies do not include personal property coverage by default, so if you want this type of coverage, you will need to add it to your policy. Depending on the company, you may be able to add the coverage for an additional premium or for a low deductible. You may also be able to increase the limits on your personal property coverage if you are willing to pay a higher premium.

Does Car Insurance Cover Theft Of Personal Items?

The answer to this question depends on the specifics of your auto insurance policy. If you have personal property coverage, then your car insurance should cover theft of your personal items up to the limits of your policy. However, some policies may have restrictions on what types of items are covered, and there may be a deductible that you will have to pay before your claim is paid out.

In addition, some policies may only cover theft of personal items if they were taken from your vehicle while it was parked and locked. If your items were stolen while you were driving, you will likely not be able to make a claim. It is also important to note that some insurance companies will only cover items that are permanently installed in your car, such as a car stereo or navigation system.

Conclusion

Car insurance can provide a great deal of protection for your personal items in the event of theft. However, it is important to understand the specifics of your policy and what types of items are covered. If you have personal property coverage on your policy, then you should be covered for theft of your personal items up to the limits of your policy. Be sure to check your policy details to make sure you know what is and isn't covered.