I agree with the last post check your homeowners policy. Just the other day they stole my phone, kids dvd players and my ipod from my car. When I called the insurace company they said it would fall under my homeowners policy. We would have to pay the deductible and it was higher than what it all cost to replace. We did not add any extra coverage to our policy so I almost certain yours would have to be the same. Also tell them it was stolen from your car how do you know it was not???