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If my laptop was stolen from my car, how do I get it replaced?

My computer was stolen from my car recently. I have both car insurance and renters insurance, but I'm not sure which one to contact about this. Are electronics even covered? Thanks!

Oct 20, 2022 Wichita, KS

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Beth Swanson

SEO Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

Typically, yes, your property inside the car will be covered by the personal property coverage on your homeowners or renters coverage. Any damage to your car would be covered by your auto insurance policy, but the personal property should be covered by your renters insurance policy, and that includes items inside your vehicle. Renters insurance covers theft and follows you even while you're not at home.

Since you're a renter, you'll want to look at your renters policy to see what your coverage limits are. Clothing, art, and electronics (like your laptop) are covered up to the specific amount stated in your policy. Coverage for electronics can vary, so there isn't a set amount that your policy has to cover. If the car itself was stolen, or requirement used only in the car (like a stereo or navigation system), renters insurance would not cover them and you'd want to contact your auto insurance company.

For folks who are homeowners, the same applies - check your policy to see what perils are covered. If you've got an open peril policy, this will be the most comprehensive and includes any perils that aren't specifically excluded. With a named peril policy the only things covered are those perils specifically named in the policy.

Keep in mind that your renters deductible will be subtracted from the amount you receive for your computer. If the difference in replacing the computer is close to your deductible, it may be worth just replacing it yourself. Good luck!

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