in us homeowners/renters/condo policy would cover theft from a vehicle - subject to your deductible (i sell insurance- i should know) but making a claim might increase your premium over 3 years....unless you have a very low deductible- it might not be in your financial interest to make a claim if the only loss is the n810- talk to your agent tomorrow am and take his/her advise- that's what we get paid for and if they dont know the answer or wont help get a new agent and/or policy at renewal.