The question whether homeowner’s insurance would cover a theft of the car parked at the property often comes up in those unfortunate situations. Without exception, the insurance of the vehicle that is stolen would be covered under vehicle insurance and not home insurance. What home insurance does cover is the personal property stolen from your vehicle. Auto insurance would cover the repair of the damage to your vehicle. Depending on your specific policy, insurance agency will pay either the cost of the stolen items as if they are new or partial, depreciated value.
- If you car is stolen, your homeowners insurance does not cover it, but will cover personal belongings inside it.
- If your car has been broken into, you need to file a claim with your auto insurance to get everything solved.
- Off premises coverage consists of the maximum amount your insurance company will pay for any damage or stolen property that takes place outside your home.
“If your personal property is stolen, your homeowners insurance will help pay to replace it— even if it’s not stolen from inside your house.”