Does comprehensive cover stolen home-improvement materials from a locked car?
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If tools, shingles, or other renovation supplies are temporarily stored in a locked car for a home project and someone steals them, would comprehensive auto insurance normally cover the missing materials?
I’m trying to understand the distinction between the different losses:
- If the thief damages the door, window, or lock, would comprehensive coverage handle the vehicle repairs, subject to its deductible?
- Would the stolen tools and building materials usually need to be claimed under a homeowners or renters policy instead?
- Does it matter that the items were only being transported or temporarily stored in the car, rather than permanently kept at home?
- Are there special limits or exclusions for tools, shingles, or other materials used for a home-improvement project?
I’d also like to know what proof insurers typically request. Receipts may be available for some items, but not necessarily everything. Would photographs, project records, serial numbers, or other proof of ownership help? I don’t want to assume comprehensive coverage automatically includes everything inside the vehicle.