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Does home insurance cover broken door locks?
We went out for the evening and when we returned, we found our door wide open. Someone broke into our home. They broke the door locks on both our front and back door. Will our home insurance cover the broken door locks?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no—I’m sorry to hear that happened! I hope everyone is safe. The good news is your home insurance should cover the broken door locks.
Both theft and vandalism are
covered perils
in standard home insurance policies. Since someone broke into your home and damaged your locks in the process, your home insurance will cover the damage.Additionally, if personal belongings, like jewelry or electronics, were taken, your home insurance will also cover their replacement. Depending on your policy, you’ll either receive their actual cash value—which includes depreciation—or their replacement cost.
To begin the claims process with your home insurance, you’ll want to take pictures of all the damage and file a police report. Since this is likely stressful, you can also call the claims department of your insurance company and an agent can walk you through the entire process.
Since submitting claims can increase your home insurance premium, it never hurts to explore your options once your claim is closed. If you want cheap home insurance quotes fast, go to
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and helps to cancel your old policy. Even better—Jerry will help you bundle your home and auto policies for maximum savings. View full answer
- Gregory R.
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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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