Personal items left in your car may be easy targets for thieves unless you make an effort to secure them. Especially likely to be stolen are small yet expensive electronics, such as portable navigation devices, cell phones, and portable DVD and music players, as well as valuable sports equipment such as golf clubs.

Although it may seem obvious, locking your car is still the best way to protect your possessions. Don't leave windows or your sunroof open, either, even in hot weather.

To prevent crimes of opportunity, never leave valuable items in plain sight. Today's thieves don't necessarily bother to rip CD players out of the dashboard (although some still try) because it's so much easier to pop a navigation device off the windshield or grab small electronics that have been left on the seat. Even though it may be a hassle, lock valuables in the trunk, or better yet, take them with you.

You may be surprised to learn that personal property in your car is generally not covered by your auto insurance policy unless it's permanently installed (e.g., a radio). However, personal items are generally covered by your homeowners or renters insurance, subject to a deductible, and up to certain limits.

If you routinely carry expensive items in your car and need additional coverage, look into purchasing a rider or endorsement to your homeowners or renters policy. And keep in mind that some policies will provide coverage only when signs of forced entry are present--yet another reason to lock your vehicle!