My Golf Clubs Were Taken from My Car. Do I Have Coverage?

My Golf Clubs Were Taken from My Car. Do I Have Coverage?

My Golf Clubs Were Taken from My Car. Do I Have Coverage?

Quick Take: Items stolen from a car

  • Personal property theft is not typically included in auto coverage
  • Personal property left in your car may be covered under a homeowners policy
  • Deductibles will likely apply

Question  I’m embarrassed to admit this – it’s such a rookie mistake -- but I left my favorite set of golf clubs in the backseat of my car. After a day of running errands, I came back to the car and my clubs were gone. There was no sign of forced entry. This is the embarrassing part. I must’ve left my window open just enough for someone to reach in, open the door and grab the clubs. Who feels like an idiot? Me. The question I don’t know the answer to: Can my car insurance help me out?

We posed this question to Patrick Lufrano, a Farmers Insurance® agent based in Northridge, California. Here’s what he had to say about backseat bag-napping.

Answer  As a golfer myself, I feel your pain. Any theft can be frustrating, but my beloved clubs? Losing those would feel personal. The good news is that the loss may be covered, although not under your auto policy.

While property theft from one’s vehicle isn’t typically covered by car insurance, many homeowners insurance policies cover theft of personal belongings.

So, for example, if you were parked at the country club and someone broke into your car to steal your golf clubs, the theft would be treated no differently than if the clubs were stolen from your home. Depending on your policy, both types of theft would typically be covered under a homeowners insurance policy.

"What if I don't have a homeowners policy?"

If you don’t own a home but have a renters insurance policy, you may have similar coverage on your personal items. Your insurance agent can help you understand exactly what is covered, both inside and outside of your home or apartment.

Keep in mind, any deductible you have on your home or renters policy would likely apply. So even if you have coverage under your insurance policy, the mistake will likely mean some cost to you. But if it keeps you from leaving your clubs in your backseat in the future, it’s probably worth it.

Find a Farmers® agent to answer your Auto Insurance questions

Talk to an agent about an auto insurance policy today.

Get a quote

Includes personal service from a Farmers agent.


The information contained in this page is provided for general informational purposes only. The information is provided by Farmers® and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to this article or the information, products, services or related graphics, if any, contained in this article for any purpose. The information is not meant as professional or expert advice, and any reliance you place on such information is therefore strictly at your own risk.

Produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Civic Property and Casualty Company, Exact Property and Casualty Company, Neighborhood Spirit Property and Casualty Company, and affiliates. In Texas, insurance is underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Texas County Mutual Insurance Company, Mid-Century Insurance Company of Texas, and Texas Farmers Insurance Company. In New York, insurance is underwritten by Farmers Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, and Farmers New Century Insurance Company, home office Los Angeles, California.

Life insurance is issued by Farmers New World Life Insurance Company, 3003 77th Ave. SE, Mercer Island, WA 98040.

Each insurer has sole financial responsibility for its own insurance products. Visit for a complete list of companies. Not all insurers are authorized to provide insurance in all states. Not all products, coverages, and discounts are available in every state. Restrictions, exclusions, limits, and conditions apply. See agents for details.

Related articles