Does Auto Insurance Cover Theft Of Items From The Car? 
The answer is an astounding maybe . Wow , that sounds pretty vague , doesnt it ? Well , it depends on what is stolen from the car . Items that are permanently installed in the car are covered for theft , such as your internal GPS system or sound system . CDs , tapes , cassettes , and etc. can be covered if you add such coverage to your auto policy . What if you have things like a laptop in your car , or textbooks , or things you just bought from the mall and couldnt bring home yet ? NOT COVERED . Unless there is a special coverage available from your insurance company in your state , this is NOT covered under an auto policy . These items are covered under your renters , homeowners , condo , or other property policy as stipulated under your coverages . This is why it is important to have more than just auto insurance , as a missing laptop is emotionally and financially frustrating to replace . Renters insurance can be around $ 120 a year and will cover these belongings after a deductible of $ 250 - $ 1,000 . Make sure you have these items properly listed on your property policy as some limits are there for theft of valuable items like jewelry , precious and valuable items , electronics for business , and other items . However , that is going beyond the scope of this question . In short - auto policies are not designed to cover theft of items from the car . The policy covers some incidental items relevant to the car , but the rest of your items are really covered from your home property policy . So go out and talk to your agent and invest in the right policy to properly cover your contents . 