When your car is broken into you feel violated, especially when something is stolen. The question really is whether your auto or home insurance is going to cover stolen or damaged equipment. The first thing you should do it check with your auto insurance company to see if your policy covers that type of situation. However, in most cases your auto insurance policy would not offer coverage for something stolen from your car unless you had a specific type of coverage to do so. That leaves you to rely on your homeowners insurance to cover the cost of your stolen items.

Your homeowners insurance has no guarantee to provide coverage for your stolen possessions, but every policy is different. Some home insurance policies will provide coverage if something was stolen from your car, but others may not. Mostly every insurance company will offer that type coverage, but it all depends on whether you add the coverage on your policy. If something was stolen from your car, and you are just now checking your policy to see if it’s covered, it could be too late. Some home insurance policies may not include theft, of have certain limitations to theft outside the home. Again, it all depends on the policy so you will have to ask your agent if your policy offers that type of coverage.

Aside from knowing if your homeowners insurance will even cover stolen items from your car, it can also depend on what was stolen. If your insurance offers coverage at all, there can be a limit to how much is insured against. Say something was stolen from your vehicle that was worth $1,500. Depending on your insurance coverage, you may only get a portion of the stolen items cost.

It’s important to go over your policy and see what type of coverage is offered if something was stolen from your car, before it’s too late. Talk with your insurance agent to find out the exact type of coverage you would get if you were ever caught in that type of situation. Remember don’t wait until something happens to find out your coverage limits, it’s always a good idea to find out before the insurance comes into play.