Which form of insurance covers a camera stolen from a car?

"Someone broke into my car while it was parked in my garage (the garage door was left open) and stole my camera. Do I file a claim with my home insurance or my car insurance?


“The camera that was in your car is covered under your home insurance policy. If the actual car had been stolen, then you would file a claim with your auto insurance company.
Homeowners insurance covers items stolen from your car as long as the items were not permanently installed or attached in the car. For example, your home insurance will cover the theft of your camera but not a factory-installed car stereo. “
Jackie Whalen
Answered on Apr 05, 2021
Jackie Whalen has been in the insurance industry for over 7 years, working in sales, service and claims. She has won numerous awards as a top salesperson and customer service agent. She currently lives in New York with her husband. Her 24 year old son recently moved out on his own which has given her more time to travel, write and train her dog Maisy not to chase her cat, Whiskey.

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