What most people dont realize if your vehicle insurance doesn't cover personal items stolen out of your vehicle. Basically I'd it wasn't bolted on as part of the vehicle it's not covered. But your renters or homeowners insurance will pick up where you vehicle insurance drops off. And if you have the same insurance carrier for both policies, at least on mine, once I paid my vehicle deductible, I didn't have to pay deductible for homeowners on the stolen items.
Have only had one of my vehicles ever broken into. Was a smash and grab in a Walmart parking lot. My wife was using a large designer purse as a diaper bag. She got it on clearance so only paid $50 for the bag, but full retail was like $200. We can only assume they looked in, saw the bag thinking it was a pursez and smashed the rear window(bag was in rear seat) grabbed the bag and left. We had a $200 Magellan GPS unit sitting on front seat they didn't touch. I'm sure they were a little disappointed to open the bag and find diapers, butt creme, and a change of clothes for our daughter.
Have only had one of my vehicles ever broken into. Was a smash and grab in a Walmart parking lot. My wife was using a large designer purse as a diaper bag. She got it on clearance so only paid $50 for the bag, but full retail was like $200. We can only assume they looked in, saw the bag thinking it was a pursez and smashed the rear window(bag was in rear seat) grabbed the bag and left. We had a $200 Magellan GPS unit sitting on front seat they didn't touch. I'm sure they were a little disappointed to open the bag and find diapers, butt creme, and a change of clothes for our daughter.