What kinds of belongings does home insurance cover in case of theft?

I was the victim of a home robbery previously when I didn't have insurance. I don't want to experience that again. What items does insurance protect against theft?

Answer
Insurance protects many of your personal belongings against theft, such as:
  • furniture
  • clothing
  • electronics
This protection falls under your personal property coverage on your homeowners policy.
Standard coverage is usually enough for many homeowners, but there are often limits as to how much can be paid out for certain belongings. You may want to consider buying additional coverage if you own high-value items, such as:
  • jewelry
  • artwork
  • electronics
Looking for more coverage is a great time to try the free Jerry app. Jerry compares rates from the top companies and delivers them to your phone in under a minute.
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Alexah Grinnell
Answered on Jul 27, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
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