Typically Comprehensive coverage does not cover personal items stolen out of your vehicle. The Comprehensive portion of your auto insurance coverage is there to mainly cover the vehicle, not the personal items within it. So if your car is stolen then you could place a Comprehensive claim for the value of the vehicle, not usually though for the personal items within it if the items stolen.
Some car insurance policies may cover items that were attached to the vehicle, such as the manufacturer's original radio but you would need to speak to your agent and claims adjuster to see if this would covered or not.
Automobile insurance policies normally only pay for auto-related equipment, not personal items stored in a car. If you had personal items, such as clothing, luggage, gifts, laptop, a detachable GPS, CDs, money, etc. that were stolen from or damaged while in your vehicle, your policy may not pay for them, or may pay only a limited amount. However, if you have a Homeowners or Renters insurance policy, your personal property may be covered under that policy.
[Let CarInsurance.com help you find affordable auto insurance now.] If your car has been stolen along with your personal items contained within it first contact your car insurance company to make a claim and see what, according to the terms of your policy, they will cover. Then next you can contact the insurance agent that you have your Homeowners or Renters insurance policy through to see what you need to do to make a claim with them. You will likely need to be prepared with descriptions and receipts for all the items so that you can be properly reimbursed.
If your vehicle has additional equipment, accessories, enhancements, and changes that alter the appearance or performance of the vehicle, it is advisable that you buy additional coverage to protect these items. Which type of coverage you would get would depend on what your insurance carrier has to offer.
Special Equipment is covered if the equipment is declared on the application and the appropriate premium paid. Items may include equipment for disabled persons, television, VCR, stereo, etc. Not all companies will provide this coverage, and some will limit the amount of coverage available
Customized equipment coverage is appropriate if your vehicle has permanently installed custom parts or equipment other than those installed by the original manufacturer. Esurance offers this type of coverage. Examples of customized equipment include:
- Any dealer-installed equipment that is not offered by the original manufacturer
- Special equipment on vehicles, vans, and trucks, including: running boards, brush bars, roll bars, undercarriage lighting, fog lights, bed liners, camper shells, trailer hitches, etc.
- Customized wheels, spoilers, suspensions or performance-related equipment
- Stereo, sound recording, and television equipment
- Customized paint or decals
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So personal effects inside of your vehicle when it is stolen are not typically covered on a personal auto policy however some companies may offer the ability cover these items on an endorsement basis.
Some items that are attached and that came with the vehicle may be covered however this would be something that may be paid out if your car is recovered and say the stereo that came with the car was missing. If the car is stolen and not recovered than you would normally be paid actual cash value for the vehicle as a whole by your Comprehensive coverage and not extras unless they are covered by something such as a Special Equipment endorsement to your policy. | 
