Personal Property in your car – Anything that is not permanently affixed* or factory provided for your vehicle would be considered personal property. This is not covered in the event that someone breaks into your car to steal your stuff or steal your vehicle itself. For example, if someone breaks into your car and steals your laptop, beats headphones, and other expensive personal items things may not be covered as you expect it. If you file a claim, they will work towards repair of the damage to the vehicle caused by the break in however the stolen property has no coverage at all. This would be required to be turned in as a Personal Property Claim via your Renters/Homeowners property policies.
*Specific coverage for aftermarket additions may be required for “Special Equipment” or “Custom Equipment” like audio/visual upgrades made in the car even if permanently affixed.
