I have company insurance that would cover it if the vehicle is properly secured. If its parked outside, the break-in would be no different than if it was parked in the lot at the mall. I agree with XRAC. I would charge him the storage fee if he expects you to pay for his stereo replacement. $10-15 a day for 2-1/2 months would cover most stereo replacements. Otherwise, I hope he had insurance on his stereo equipment. Of course, if he couldn't pay for a repair, I bet he doesn't have insurance at all.