Is the auto covered if the keys are in the vehicle when stolen?

There should be a number on the back of the insurance card you carry in your wallet that has a number to call. You can call that number and ask. You do have a card in your wallet, don't you? It should be on your policy. You do have your policy, don't you? Your agent should be able to give you the name and number of your claims representative. You do know your agent, don't you?