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Does home insurance cover robbery?
While we were up north this weekend, some hooligans decided to smash our living room window and steal the TV as well as a few antiques. I’m beyond irate and am trying to calm down. First, I need to know—does home insurance cover robbery?
Bellina Gaskey · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
So sorry to hear about the break-in. If you haven’t already, call the police and file a police report, which can help make dealing with insurance much easier.
Next, take a deep breath: home insurance does cover robbery in that it can help pay for repairs and replacements. The different repairs and replacements you’ll need will fall under different home insurance coverages.
The cost to repair a broken window will come from your dwelling coverage, which protects the structure of your house.
The money to replace the TV and other stolen items will come from personal property coverage. Note that if you have an actual cash value policy, you’ll receive the current value of the stolen items (which is lower than the purchase price due to depreciation).
You’ll receive payouts as long as the damage exceeds your deductible, which is the amount you agree to pay before insurance coverage kicks in. If you have a $500 deductible and $1,000 worth of damage, you’ll be responsible for $500 and the insurer will pay the other $500.
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