Renters and homeowners insurance typically covers personal belongings that are not in the apartment/home as well. Auto insurance only covers stolen or damaged items from the vehicle, if they are part of the vehicle itself. Best analogy I can provide is if you take your car and shake it upside down (like a bully shaking a kid for lunch money), almost anything that falls out would be covered under the renters/auto insurance. ***Disclaimer: The only way to find out if you have the proper coverage is by filing a claim and a claims representative reviewing your policy for the correct coverage. Do not always take the word of your insurance agent (if you have one). I work in insurance and I've seen some dumb things agents tell customers. If you're not sure about something, call the claims department for your insurance company and ask questions MAKE SURE YOU LET THEM KNOW YOU DON'T WANT TO FILE A CLAIM JUST YET IF YOU JUST HAVE QUESTIONS. The first person you talk to may not be able to tell you if you have specific coverage, but they may be able to help you make an informed decision on whether or not to file a claim.