Home Insurance Coverage of Theft From Cars

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Updated: May 22, 2024

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Most standard homeowners insurance policies provide off-premises coverage, which includes protection for personal belongings outside your home, such as items stored in your car. This coverage extends up to 10% of your total personal property limit. If your policy covers $150,000 in personal property, you could have up to $15,000 to cover items damaged or stolen from your vehicle. This coverage ensures the protection of your possessions, even outside your home.

Key Takeaways

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Homeowners insurance typically includes off-premises coverage, safeguarding personal belongings stolen from your car.

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Not all items are covered; exclusions include cash, high-value collectibles and business property, highlighting the utility of additional coverage.

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Scheduled personal property coverage can provide more protection for high-value items, ensuring full coverage against theft, even from your vehicle.

Home Insurance Coverage of Theft From Cars

Your home insurance policy's off-premises coverage will cover personal items stolen from your car. This comprehensive protection extends to belongings in your vehicle, regardless of whether you parked it in your garage or elsewhere while traveling.

Under most homeowners insurance policies, off-premises coverage limits are set at 10% of your personal property coverage. For instance, with $150,000 in personal property coverage, you're entitled to up to $15,000 to replace items damaged or stolen from your car, ensuring peace of mind for your possessions wherever they are.

Home Insurance Coverage of Item Types Stolen From Cars

Under homeowners insurance, the range of items covered for theft from your car is quite broad, encompassing various personal belongings such as clothing and electronics. This coverage protects against financial loss from theft by ensuring you can replace your valuables without undue burden. It's a safety net for your possessions, even when they're outside your home. Here are the items your policy will typically cover:

  • Electronics (laptops, tablets or smartphones)
  • Personal accessories (bags or sunglasses)
  • Clothing
  • Sports equipment
  • Portable audio and video equipment

Specific coverage may vary by policy, so review your homeowners insurance to understand the full scope of protection it offers for personal property theft from your car.


Your homeowners insurance policy won't cover all belongings for theft from your car. Cash and currency, essential documents, high-value items and business property, among others, are usually not included under standard home insurance policies. Review your policy and consider additional coverage options for items that standard homeowners insurance excludes.

Additional Home Insurance Coverage to Protect Against Theft From Your Car

Consider scheduled personal property coverage for enhanced protection against theft from your car. This additional coverage option protects high-value items that exceed the typical limits of standard homeowners insurance policies. By itemizing specific valuables such as expensive jewelry, high-end electronics and rare collectibles, you ensure they are fully covered against theft, regardless of location.

Scheduling these items provides peace of mind and guarantees their full value is recognized and protected in the event of a loss, making it an appropriate consideration for policyholders with significant investments in personal property.

How to File a Claim if a Thief Steals From Your Car

Filing a claim for belongings stolen from your car involves reporting to the police and notifying your insurance provider immediately.

Following these steps carefully can help ensure that your claim is processed efficiently, allowing you to recover the value of your stolen belongings with minimal stress.

Report the theft to the police

As soon as you discover the theft, contact the local police to file a report. Note the report number, as you'll need it for your insurance claim.

Document the stolen items

Make a detailed list of what was stolen, including descriptions and, if possible, proof of ownership or purchase receipts.

Contact your insurance company

Inform your insurer about the theft and provide the police report number. Follow their guidance on the claims process.

Submit required documentation

Provide your insurer with the police report, list of stolen items and any other requested documents to support your claim.

Work with the insurance adjuster

An adjuster may be assigned to your case to assess the claim and determine the compensation.

Tips to Prevent Theft From Cars

Taking proactive steps to prevent theft from your car can significantly reduce the risk of falling victim to such incidents. Adopting simple yet effective habits can safeguard your belongings and deter potential thieves. Here are some tips for theft prevention:

Always lock your doors

Even if you're stepping away for a moment, lock your car up.

Hide valuables from sight

Keep personal items and electronics out of view to avoid tempting thieves.

Park in well-lit areas

Choose spots that are visible and well-lit to deter potential thieves.

Use a car alarm

An alarm system can alert you and the people around your car if someone attempts to enter your vehicle.

Remove personal items overnight

Bring valuables stored in your car inside your home for better protection. Be sure to avoid leaving them in your car overnight.

Tint or cover windows

Tinted windows or shades can obscure the view inside your car, making it less of a target.

Be aware of your surroundings

Choose parking spots in safe, busy areas and be cautious of where and how you park.

By following these tips, you can make your car a much less attractive target for theft and protect your valuable belongings from being stolen.

About Mark Fitzpatrick

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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.