While there are a few things to be aware of the answer is that renters insurance covers theft.

Does renters insurance cover car theft. Renters insurance also covers loss from theft. For example if someone steals your stuff from your car. Your car insurance will cover the broken window as an act of vandalism while your renters insurance will reimburse you for your stolen property up to the coverage limit.

However if your car is damaged in a theft like a broken window renters insurance will not cover the damage to your car. You need a separate insurance policy specific to your vehicle to cover motor vehicle theft. Most theft claims offer actual cash value for stolen items which is often less than what it would cost to replace the item with the newest version.

Renters insurance allocates higher coverage limits inside the unit youre renting and lower limits off-premise. No renters insurance doesnt cover car theft. Renters insurance will cover the theft of your belongings both inside and outside your home.

If someone steals stuff from inside your car which we hope never happens renters insurance has your back. Car insurance doesnt protect your items in a vehicle but covers stolen vehicles if. Renters insurance only covers personal property inside the vehicle such as clothes and electronics.

However we must warn you that renters insurance doesnt cover damage to your car itself. Renters insurance covers hazards like bad weather political unrest and or destruction by vehicle and aircraft. Cars are insured separately by your auto insurance.

Renters insurance can protect your personal belongings from theft whether youre at home on vacation or driving to your local supermarket. Even then youre typically limited to no more than 30 days with daily limits of 25 to 30. Btw take note that renters insurance doesnt cover car theft.