Your boyfriend driving your vehicle will most likely not have any bearing on if insurance pays you since the car was parked in a legal spot and stolen. You will have to call your auto insurance agent to find out how exactly you will be covered if your vehicle is not found.

As for the personal property inside of the car, generally auto insurance policies have limited coverage for personal belongings inside of a stolen vehicle. You will need to talk to your insurance company about what is specifically covered under your policy.

For the items that are not covered by your car insurance policy you will likely be able to claim through your homeowners or renters insurance policy. So your next step will be to report the incident to the carrier of your renters or homeowners coverage. Be prepared to supply your claims representative with detailed descriptions and receipts for the stolen goods.

If you need a quote for homeowners or renters insurance you can get it through our partner Safeco. Follow these links to them or call them at 1-800-936-0356.