Does Homeowners Insurance Cover Stolen Property From Car?

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   Bill Sims

   Producer, Kendall & Associates Insurance Agency, Greenville, SC

   As a general rule, most homeowners insurance policies provide coverage for personal property that is stolen from a car.  The stolen property will be subject to your property deductible and depending on the type of property stolen, your policy may have a limit to the coverage amount provided.  For example, money, jewelry, electronic devices, and other "high value" items are typically limited to a maximum coverage amount of  $500-$1,000 unless your policy includes increased limits through an endorsement.  As a side note, your auto policy may also include a small limit of coverage for property stolen from the vehicle.

   Answered on January 3, 2014

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