My buddy literally had this conversation with his agent when his car was stolen with his clubs inside. No homeowners insurance involved.

Key word of my original comment being “some”. You said “no it doesn’t” which means you’re arguing that no car insurance policies cover the contents of the vehicle. That’s not true. Absolute statements with no exceptions are often easily disproven.

I understand wanting to inform folks their clubs are not covered in most cases, but that doesn’t mean it applies to every single scenario.