The standard auto policy provides coverage for car, spare tire, jack and child seat. Auto policies simply do not cover items stolen from a car such as sunglasses, phones, sports equipment, gifts, packages etc.
When it comes to pickup trucks items not automatically inscluded would be a camper shell, tool boxes, tools used for a profession i.e. contractor equipment, ladders, lawn equipment folks with lawn mowers, trimers etc.
It's always best to fill your agent in on verious valuable items you may keep in your car. Any questions please contact Flanigan Insurance at 314-727-6000.