Will Car Insurance Cover Car Seat? 
Car insurance will , for the most part , cover for physical loss or damage to your car for a fairly wide rage of causes . This is , however , for the most part limited to the car as it came off the manufacturer 's line including any components that are permanently installed . So , if your car has a car seat that was permanently installed by the manufacturer , then it would be covered as part of the car . If , however , as in most cases , it is portable and installed by use of the belt system , then the car policy would provide no coverage . You would , however find coverage for it as personal property under your Homeowners , Condo Unit Owners ' or Rental Insurance policy . 