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Originally Posted by slammedcivicsi
You are quite wrong....atleast in BC you are, because my Home owners insurance covered stuff stolen from my car, like my 200 cd wallet....my deductable was $500 cdn.....but my 200 cds were more then $2000 to replace.
Also here, auto insurace will cover everything in the vehicle, you just need to specify what you have and have paperwork to prove it.
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Last thing here. You have it all wrong. In auto-insurance, there are no provisions for "loose items" such as Cd's, clothes, coats, wallets, purses or any other personal items. All of that falls under home-owners or renters. In your scenario, you never stated anything related to your car, just personal items. It would be simular if someone broke into your home and stole your Cd's. Or even if you went on vacation and all your luggage and belongings were stolen. It would be a home-owner policy that would pay.
Now, if your car got broke into and your 200 cd's were stolen along with your stereo, ground effects, leather coat, and CD changer your ground effects, changer, and stereo would be under the car's coverage while the cd's and coat would be under your home owners. That really sucks because you'll have two deductables to work with.