If your car is stolen or totaled, and it had some of your possessions inside, you generally are not going to be going to your auto insurance provider to get those items replaced.
That being said, there are certain items that you might be able to include on your auto insurance with the value of your car. A spare tire, for instance, might be included with the value of the car as, after all, it was part of the sticker price. But you generally won’t be writing an itemized inventory of everything that you keep in your car and turning that into your Bloomfield, NJ auto insurance agent.
Certain modifications and add-ons can be insured, as well. Again: With the total value of the car.
Fortunately, most of your possessions will be included in your home insurance, condo insurance, or renters insurance policy. If you have them included in your inventory, then it doesn’t really make a difference to your provider if the item was damaged or lost at home, or while it was in your car. You need to keep an up-to-date inventory as there’s no guarantee that an item will be covered without letting your home insurer know what they’re protecting. But your home insurer will cover possessions in your car as well as your home. This doesn’t mean it’s a good idea to leave expensive items in your car. Past a certain point, this can be regarded as negligence on your part, but your possessions are covered even in your vehicle.
If you’re still shopping around in Bloomfield, N.J. for an auto insurance provider, get in touch with us at E.S.T.I.R. Inc. At E.S.T.I.R. Inc. we can compare quotes and get you the insurance you need.