I Had Personal Property in My Vehicle When It Was Damaged/Stolen. Is It Covered?

Probably not. Automobile insurance policies only pay for auto-related equipment. If you had personal items, such as clothing, luggage, gifts, etc. that were stolen from or damaged while in your vehicle, your policy may not pay for them, or may pay only a limited amount. However, if you have a homeowners or renters insurance policy, your personal property may be covered under that policy.