Did you know that if your car is broken into and contents are stolen, practically every item not attached to the vehicle is covered by your homeowners insurance and not your car insurance? For example, if you have a bunch of CDs sitting in your glove compartment and a thief gets to them, you have to file a claim with your homeowners insurance and not your auto insurance for those CDs! You would still have to file a claim with your auto insurance, in case there was damage to your car or just as a matter of protocol, and file a police report so that there is a public record of the theft; however the actual claim for contents would need to be filed with your homeowners insurance!
The reason for this is because homeowners insurance covers your property whereas automobile insurance doesn’t. Comprehensive coverage only covers damage to your car, you will have to turn to homeowners and rental insurance to recover losses related to property.
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