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  • AZ Insurance Team

If your car is broken into, what's actually covered?

Updated: Jul 31, 2020

Imagine this, you’re running out the door in the morning to get to work and find that your car has been broken into. Someone smashed your window, stole your laptop, radio and gifts for your mom. Your personal space has been invaded by a stranger and your belongings taken.

You can make a claim on your auto insurance policy to have the damages fixed as soon as possible, but what items are actually covered by your auto insurance?

Break-ins usually occur when a burglar spots valuable items inside a vehicle. Some common items that are stolen include:

  • Car stereos

  • Cell phones

  • Laptops

  • Small Electronics

  • Purses or Wallets

With most insurance policies, damages due to theft will be covered under Comprehensive coverage. Check your auto policy to see if you have Comprehensive coverage if you’re the victim of a break-in.

Of the items listed above, usually only the car stereo would be covered by your auto insurance policy, but even that’s not always guaranteed. If your stereo is detachable, it’s not considered a permanent and attached item to your vehicle.

Well, you’re not out of luck yet. If you have homeowners or renters insurance, the items stolen from your vehicle are likely covered. You’ll need to file a police report and pay your deductible to make a theft-related insurance claim.

If you don’t already have homeowners or renter's insurance, definitely consider it; especially if you ever leave pricey or priceless possessions in your car.


Get a homeowners or renters insurance quote now!

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