How renters insurance covers theftMost standard renters insurance policies cover your personal belongings if they are stolen or damaged, whether the loss occurs inside or outside your home. Stolen vehiclesWhile renters insurance may cover personal items stolen from your car, it generally won't cover the vehicle itself. How to file a renters insurance theft claimAlthough theft can happen to anyone, it usually comes as an unwelcome surprise. Does renters insurance cover theft? Does renters insurance cover theft from a storage unit?