Does my car insurance cover theft of personal items?

It depends on what’s stolen from your car. Certain items are covered by car insurance, and others by home insurance.

If your car is broken into, your auto insurance will cover items that are actually a part of your vehicle (for example, the stereo that came with your car, or hubcaps).

All other personal items – like a laptop, cell phone, gym bag or sporting equipment – would be covered under your home, tenant, or condo insurance. If you don’t have insurance at the time of the theft then you won’t be compensated for personal items stolen from your car.

If someone else leaves an item in your car and it’s stolen, they’d need to claim that item under their own home insurance – yours won’t cover it.