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Does home insurance cover car break-ins?
I had my car parked in my driveway overnight and it was broken into. I’d left a lot in there: my laptop, iPad, and e-reader were all taken. Does my home insurance policy apply to car break-ins?
Natalie Todoroff · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
We’re sorry to hear that your vehicle was
broken into
and that your belongings were taken. Your home insurance policy will cover the theft of your personal property from your vehicle. Your car insurance will cover any damage to the car itself.So, for your laptop, wallet, and e-reader, you’ll want to contact your
home insurance
provider to file a claim. If, say, the windows were smashed or if the thief took an actual part of your vehicle, that would be something to alert your car insurance provider about. Here’s what to do immediately after the break-in:
- Document: Take copious photos and videos to send to your home insurance provider; it’ll help with your claim.
- File a police report: Call the cops as soon as you can You’ll need to send the police report to your insurance provider.
- Contact your insurance provider: They’ll be able to give you clear next steps.
- Repairyour vehicle: Evaluate the damage to your vehicle and make the necessary repairs so you can get back to driving safely.
Chances are, you’ll probably have more questions about your insurance in the future.
Jerry’s
friendly agents are here to answer your questions and provide advice on the best coverage options. Download is free on the app store, and agents are just a text or call away. View full answer
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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