For most auto insurance policies, if the items are physically attached to the stolen car (e.g., roof racks, stereo, tires), the answer is yes. But you will only be covered for the Actual Cash Value, which reflects the stolen items' current condition and age. However, for personal items that you'd leave in the trunk of your car or the latest tech purchase you just made at the mall, the answer would be no, at least from a car insurance perspective.
But that doesn't necessarily mean you're out of luck and out of options. Your next step is to contact your home insurance provider and check if your personal items would be covered. Your home insurance may provide you with coverage based on the Replacement Cost of your valuables. That means for each of your stolen personal items, you'll receive a new item of similar kind and quality. But keep in mind that any claim you do make will be subject to your deductible. However, in some cases, if your car and home insurance is bundled with the same company and you're making a claim on both your insurance policies at the same time, for the same reason, you may only have to pay a single deductible. Something else worth considering: Any home insurance claim you make will likely result in an increase to your annual home insurance premium. Unless your policy includes Claim Forgiveness of course, in which your first claim shouldn't impact your rate when your policy renews. Here's a quick tip: Consider doing a quick evaluation to weigh out your options — if your stolen personal belongings are not big-ticket items, you may want to replace them yourself rather than opening a claim.