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Does home insurance cover burglary?
I’ve had a home insurance policy since I purchased my home. It’s a bit embarrassing, but I have no idea what it actually covers! Recently, a few of my neighbors had their homes broken into. I want to make sure I’m protected. Will home insurance cover burglary?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Don’t worry! Insurance is complicated, so if you’ve never had to use it, it’s easy to forget what coverage you have. Thankfully, home insurance does cover burglary.
Theft is one of the
16 covered perils
in a home insurance policy. If a burglar should break in and damage your home or its structure, you’d have coverage. Additionally, personal property is also covered. If a burglar steals any of your belongings, you would have coverage. Personal property is typically at an
actual cash value
basis, meaning you’ll receive the cost of your items minus depreciation. If you have replacement cost coverage, you’d receive the replacement value of anything stolen. To ensure you have the right amount of coverage for your needs, reach out to your insurance provider. An agent can review your coverages and make any adjustments, like raising limits or adding coverage.
You may also want to consider shopping around for rates with other home insurance companies. Any time you make changes to your policy, it’s always a great idea to review your options to ensure you’re getting the best rate.
If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. The Jerry app collects quotes from top insurance companies, like Progressive and Travelers, in seconds. They even help cancel your old policy once you’ve made your pick.View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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