GPS Mapping Device stolen from a vehicle

I have a mobile GPS mapping device, is it covered if it is stolen from my car?

Factory installed GPS mapping devices are usually covered by your auto policy, however most mobile devices are excluded. Most auto insurance policies cover electronics only when they are permanently attached to the vehicle, so a mobile device would be excluded from your auto policy. Some policies contain even tighter excludsions and only cover electronics that are factory installed and permanentely attached to the vehicle. Auto policies usually exclude any personal property that is kept in the vehicle, the exception is a small benefit when the entire vehicle is stolen, but even then electronics are still excluded.

Homeowner’s, condo, and renters policies do protect stolen property, however most policies have an exemption for any electronic device (i.e. laptop, phone, iPod, or GPS device) that is stolen from a vehicle. The coverage and exclusions vary in each insurance policy, but in most cases mobile electronic devices stolen from a vehicle are excluded on both the auto and homeowner's policy, so there is no covers. Play it safe and protect your personal property; bring your personal electronics into your residence each night where they are covered for theft. Contact your insurance agent for the coverage specifics on your policy.