Auto, tenant and home insurance

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  • If your car is broken into, full comprehensive auto insurance will cover damage or theft of the car.
  • Home and tenant insurance covers all personal property stolen from the car.
  • Make sure you file a claim in a timely manner so you don’t miss out on coverage.
  • See Insider’s picks for the best auto insurance companies.

If your car is broken into, whether or not you are reimbursed for the theft or damage depends on the type of insurance you have. Auto insurance, tenant insurance and home insurance all come into play.

Comprehensive auto insurance covers break-in theft

There are three main types of

car insurance
: complete, collision and liability. Full coverage is a combination of all three. If you finance or lease your car, your lender probably requires full coverage and collision coverage.

Comprehensive coverage replaces or repairs your vehicle if it is stolen or damaged. Comprehensive coverage typically covers damage caused by theft, fire, vandalism, or falling objects such as a tree.

If you have purchased full or comprehensive auto insurance, you will be covered in the event of a break-in.

* Most states require some type of liability coverage

Home and tenant insurance covers the theft of personal property

If you have home insurance or renters insurance, it will cover all personal property stolen from your car.

Home and tenant insurance covers the theft of your personal property, even if it happens outside of your home. If your personal laptop is stolen while you’re at a coffee shop, homeowners ‘and tenants’ insurance will cover it. If your laptop was stolen from your car, home and renters insurance will cover the theft of the laptop, but not your car damage or theft.

Steps to making a car theft or break and enter claim

If personal items are stolen from your car, full coverage auto insurance, full coverage auto insurance, and home or renters insurance will cover your personal items. If your car itself has been stolen, you will need full or comprehensive auto insurance.

If you need to make a claim with your insurer, follow these steps:

  1. Take photos or video of the damage.
  2. Make a list of missing, stolen and damaged items.
  3. File a police report as some carriers will require it. Make sure you have your driver’s license, insurance card, vehicle registration, and list of missing items.
  4. Contact your insurer. Failure to notify your insurance provider in a timely manner could result in denial of your claim.
  5. If your credit / debit card has been taken, notify your financial, banking or credit card institution.
  6. If your Social Security card, passport, driver’s license, or government issued ID card is stolen, notify the appropriate government agencies.
  7. If necessary, contact the three credit reporting companies (Experian, TransUnion, and Equifax).
  8. Keep documentation of any unauthorized purchases or access to your data, if your banking or identity information has been stolen.

Failure to file a claim on time may result in denial of benefits, so don’t wait long. You can call the claim number on your policy or make a claim online on your carrier’s website. Due to the coronavirus pandemic, many carriers have digital applications for filing claims where you can upload photos of the damage for faster processing.

Auto insurance premiums may increase after filing a claim

Filing a claim may increase your insurance premium depending on the number of claims already filed or the amount of damages claimed. If it’s a minor fuss, there’s a good chance your rates won’t go up, Felipe Teixeira, director of domestic auto products at Country Financial, told Insider.

Talk to your auto insurance provider to find out how filing a claim can impact future premiums.


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