How do home insurance companies handle claims involving theft?

"Some electronics were taken from my home during a break-in and I need to file a claim. What can I expect when I report my losses to my home insurance company?


“Unfortunately, home break-ins are extremely common and electronics are usually taken during these burglaries. Your home insurance company will want to see a copy of the police report, so be sure to call the police and file a report right away.
Hopefully you have pictures, receipts, or serial numbers for some of the items because it makes it easier for the insurance company to get your items replaced.
If the thieves broke your door or window to enter the home, you can also get those repairs covered by the insurance company, so be sure to save those receipts as well. “
Jackie Whalen
Answered on Apr 08, 2021
Jackie Whalen has been in the insurance industry for over 7 years, working in sales, service and claims. She has won numerous awards as a top salesperson and customer service agent. She currently lives in New York with her husband. Her 24 year old son recently moved out on his own which has given her more time to travel, write and train her dog Maisy not to chase her cat, Whiskey.

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