Is Theft Included in My Homeowners Insurance Coverage?

If someone breaks into your home and steals your belongings, you may wonder if your homeowners insurance policy may cover the loss. Review your policy and learn its inclusions to avoid surprises when filing a claim.

Does My Homeowners Insurance Cover Theft?

Most homeowners insurance policies cover theft, including break-ins and stolen personal property. Coverage typically applies to items stolen from inside your home and, in some cases, items taken from your car or other locations. However, limits and exclusions may apply, particularly for high-value items like electronics, collectibles or jewelry. Consider additional coverage for expensive belongings for added financial protection.

What Else Does Homeowners Insurance Cover?

Homeowners insurance may cover various situations beyond theft. Some common types of coverage include the following:

• Dwelling coverage may help with repair or rebuilding costs if your home is damaged by covered events such as fire, windstorms or vandalism.

• Personal property coverage may cover damage or loss of belongings due to covered incidents.

• Liability protection may provide financial assistance if a guest is injured on your property and decides to take legal action. This may also cover property damage you cause to others.

• Additional living expenses coverage may pay for temporary housing, meals and other related costs if your home becomes uninhabitable due to a covered event.

• Other structures coverage may cover detached structures like garages, sheds or fences if they are affected by covered damage.

Contact Us

Insuring your home and valuables is essential. If you want to modify your policy or explore homeowners insurance options, contact Insurance Solutions today. Our team can help discuss your options and get the coverage you need.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.