Is the theft of personal items from a vehicle broken into while on holiday in the US covered?

The theft of personal items from a vehicle while on holiday in the US is generally not covered under most standard auto insurance policies. These policies typically provide coverage for the vehicle itself and certain damages attributable to the vehicle, such as collision or comprehensive coverage for incidents like theft of the vehicle. However, personal items stolen from inside the vehicle are usually considered to be covered under homeowners or renters insurance, not auto insurance.

This is an important distinction because the coverage for personal belongings varies significantly between types of insurance. While some auto policies offer certain protections, they often exclude personal property coverage when it comes to theft or damage, especially if those items are not part of the vehicle itself. Therefore, individuals should verify the terms of their insurance policies and may need to obtain separate renters or homeowners insurance if they frequently travel with valuable items.