08/01/2026
Welcome back to Claim or No Claim where we break down real-life situations and explain how insurance may come into play. Today’s scenario: Your suitcase is stolen from your car while you’re on vacation. The answer? It depends. If personal belongings are stolen from your vehicle, coverage may not come from your auto policy the way many people assume. In many cases, stolen personal items may fall under the personal property coverage portion of your homeowners, condo, or renters insurance policy... depending on your policy, deductible, limits, and the details of the loss. This is why renters and homeowners coverage can matter even when you’re away from home. Your belongings may have protection beyond your front door, but there can be limits for certain items like jewelry, electronics, luggage, or high-value belongings. The takeaway: before you head out on vacation, know what your policy says about personal property, theft, and items kept in a vehicle. A quick review can help you understand what’s covered before your bags are packed.