Does Your Auto Insurance Cover Stolen Items?

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Auto insurance helps to pay for any damages or injuries caused in or by a vehicle you own.

An insurance policy is a key investment for a vehicle owner. All states, except Virginia and New Hampshire require a vehicle owner to carry auto insurance. Before choosing your car insurance, you must make sure to look at the state requirements, as well as the coverage levels provided by the insurance company.

California Law

California law states, "All drivers and all owners of a motor vehicle shall at all times be able to establish financial responsibility and shall at all times carry in the vehicle evidence of the form of financial responsibility in effect for the vehicle."

If you do not have auto liability insurance, you can be fined, your license may be suspended, and your vehicle could be impounded.

(ref: Auto Insurance -

A number of coverage options are available for a policyholder and they may vary from state to state and the requirements of an individual. Now how do you choose a policy that covers your costs and liabilities? You must make a list of your requirements and the annual spend on premium you’re willing to make. Then, you research and compare policies from different companies to finalize on the one that works for you.

Which coverage option covers car theft?

Typically, if your auto insurance policy includes comprehensive coverage, in the unfortunate event of a break-in or theft of your car, the policy will cover you up to the Actual Cash Value (ACV) of your vehicle. However, comprehensive insurance is a policy add-on and is not always included in the coverage which is why you must inquire and confirm if it is included. Following are events when comprehensive coverage reimburses you as an auto insurance policyholder:

  • Floods (Natural disaster)
  • Theft
  • Vandalism 
  • Damages by a tree
  • Damage caused by animals
  • Civil disturbance (like a riot)
  • Fire

Now in the event of collision of your vehicle with another, you might need the inclusion of different insurances to protect you from incurring added costs. Like, Liability insurance will cover costs of any damages you might cause to another driver and their property and collision insurance covers your own repair costs in accidents, and this does not including another vehicle. Both these insurances also don’t cover costs if a theft takes place. You must note that specifically in Anaheim,  there are reports of approximately 1300 car theft cases per year, so if you're shopping for auto insurance in Anaheim or are reviewing your current policy, you may want to consider comprehensive coverage. 


Does your insurance cover stolen items that are personal belongings?

Comprehensive coverage does not cover theft of stolen items from your vehicle that are personal belongings. You can ask your insurance company or agent if there is an option to purchase an add-on that protects your personal belongings. Depending on your insurer and state, there may be an option you can look at to safeguard personal property. But, the personal property coverage in a homeowners, renters or condo insurance policy helps cover your belongings, even when they're away from your place.