First off, if you are wondering does renters insurance cover vehicle damage then we have some bad news. Renters insurance is more associated with the property that you live in and the property which is inside it. That fancy projector or big-screen television, for instance, should be on your inventory list and covered against theft, fire, and several other types of damage. Your car, however, is a little special when it comes to renters insurance. If you bring some of your inventoried property somewhere then it is protected, but your car is not and will need its policy. If someone steals your laptop out of the car, that is covered. So, the official answer for will renters insurance cover car damage
is, unfortunately, No. We should also note that if you add some new property to the inside of your cars, such as a new stereo or new speakers, these are considered aftermarket additions' and are NOT covered under your renter's insurance.