Loose gadgets that are left in cars, such as iPods, cell phones and laptops, are easy targets just as some attached car parts, says Ward. Most laptops alone cost at least $500, while cell phones and iPods can run well over $100, depending on the model.

And because they're not actually attached to the car, they probably wouldn't be covered under a car insurance policy if stolen, he says.

Unsecured items could be covered under homeowners insurance or renters insurance. Unfortunately, there may be a high deductible under the policy, and the value of the stolen property may not reach that threshold, says Ward.

The best advice is to prevent it from happening in the first place. "Keep unsecured items in a trunk or locked glove box, or leave them at home," says Ward.