"gary" wrote:

USAA says I need to
file a claim against my CAR INSURANCE policy (issued by State Farm) for
these items.

Since my car was parked in the garage when the theft occurred,
shouldn't my homeowner's insurance policy cover these items, too?

In my experience, USAA is pretty straight when it comes to claims. In this case,
they are right on. Its no different than if your car was parked in the driveway
in a hailstorm. The comprehensive section of your auto policy applies, not your
homeowners insurance.