PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
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.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies