Does Homeowner's Insurance Cover Vehicle Theft?

Homeowner's insurance is a policy designed to cover the structure of a home, as well as the furnishings and personal property within the home. It also covers liability for any injuries that take place on your property.

Significance

A homeowner's policy does not cover the theft of a vehicle, as it has nothing to do with the structure of a home.

Considerations

While the theft of a vehicle is not covered on your homeowner's policy, personal property taken during a break-in of your car is covered.

Coverage for Vehicle Theft

Vehicle theft is covered under your automobile insurance policy (if you have comprehensive coverage).

Keys

If you have purchased comprehensive car insurance coverage for your car, the theft of that vehicle will be covered even if you leave your keys in the car.

Warning

If your car is stolen and there is personal property in it, you will be dealing with two types of insurance policies when you make your claim. You may be liable for two deductibles in this event.