If your auto insurance policy includes comprehensive coverage, you should be covered up to the Actual Cash Value (ACV) of your vehicle in the event your car has been stolen or damaged during a break-in. However, the liability and collision portions of your insurance will not cover car theft.Click to see full answer. Furthermore, does auto insurance cover theft of personal items?If you carry vehicle insurance with comprehensive or specified perils coverage, you would have theft insurance coverage for the stolen vehicle itself, subject to your policy deductible. Car insurance covers items such as the car itself, the stereo or installed car seats (subject to limits).Additionally, who covers stolen items from your car? A: Personal items in a car aren’t covered by auto insurance. If you have renters or homeowner’s insurance, then you can file a claim for your items. Depending on the stolen items and your deductible, it may or may not be worth filing the claim. Also, what insurance coverage covers theft? Comprehensive insurance is an optional auto insurance coverage that protects your car against damage not resulting from a collision, as well as from theft. It covers a wide array of events that can damage your car, including vandalism, fires, and rockslides on twisting mountain roads.How Much Does homeowners insurance cover for theft?But if it is stolen, standard homeowners insurance typically would reimburse up to $2,000. If you have jewelry, antiques, art, coins or other possessions worth $5,000 or more, you may want to consider a “personal floater” policy.