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Car Break-Ins, Damage and Theft: What My Insurance Covers

prescott auto insurance coverage - answers from Mosaic Insurance

It’s late at night and the car alarm goes off outside and you wonder, “Is that my car?” you hit the disarm button and it’s not yours; safe for now! Then you wonder, “What happens if I do have a break in?  What does my car insurance cover?” Mosaic Insurance in Prescott would like to answer this question so you are better prepared for the future.

Insurance companies will most likely pay to repair any damage the burglar has done to your car, if you have comprehensive coverage as part of your auto insurance plan. This usually includes broken windows, damaged locks and dismantled ignition systems. If your vehicle is stolen, your insurer will pay you its value (as long as you have comprehensive coverage). However, this kind of coverage does not replace belongings taken from inside your vehicle. That requires additional insurance coverage; either renters insurance or homeowners insurance.

Comprehensive coverage doesn't cover loose belongings inside the car. When it comes to replacing any of your personal belongings, such as your cell phone or your child’s ipad, it's up to your homeowners or renters insurance to provide that coverage. This means you'll need to file two separate claims (and pay two separate deductibles) to obtain a reimbursement for all the damages.


So what does comprehensive coverage cover?  Let’s take a look:

  • Shattered Windows
  • Broken Locks
  • Stolen Stereo (Stock), GPS (Stock)
  • Tampered Ignition
  • Cosmetic Damage (Paint, Locks, Carpet)
  • Airbags
  • Broken Glove Box
  • Aftermarket Stereos, GPS System, Custom Wheels


What’s not includes in your comprehensive coverage:

  • CDs, DVDs
  • Laptop Computer
  • Sports Equipment
  • iPod, iPad, iPhone, or other cell phone
  • Clothes, Expensive Sunglasses, Jewelry
  • Work Tools
  • Purse or Wallet
  • Video Systems (Stock)

The cost of comprehensive car insurance coverage can vary dramatically from company to company. Contact Mosaic Insurance in Prescott, AZ today at 928-458-7374 to find the best rates on comprehensive coverage and your renters or homeowners insurance.  We will be happy to answer question and get you started on the right path to the best coverage for you.

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