Does Homeowner's Insurance Cover Stolen Car Key FOB Replacement? 
That is a good question . In most states coverage for auto related claims will fall under your auto insurance . Having said that , some homeowners insurance policies provide coverage for theft away from premises . The more important question is , `` What is your homeowners insurance deductible ? '' If you have a $ 500 deductible and the key FOB is $ 500 , and it was covered , you would collect $ 0 because you have n't exceeded your deductible . Even if your policy did provide coverage , and you exceeded your deductible , I would n't recommend you file a claim . Homeowners insurance is best reserved for catastrophic losses like ; wind , fire , hail , lightning , hurricanes , water damage from a pipe burst , etc. . If you file a claim for your key FOB and next week have to file another claim because of something listed above , the insurance company will have grounds to non-renew or cancel your policy . Even if they did n't cancel your policy , you could see a rate increase because of the claim that was submitted for your key FOB . Over the next few years you would likely exceed the value of the key FOB with increased insurance premium cost . The thought process by the insurance companies is `` frequency leads to severity '' and insurance companies do not like severity . Hope this answer helps . 