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Does home insurance cover stolen items?
I came home from work to discover shattered glass and a broken lock on my back door. My tablet and my PlayStation are missing. Will home insurance cover stolen items?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no—I’m sorry to hear about the theft. Thankfully, your home insurance should cover the stolen items. Most home insurance policies cover everyday use and personal property like:
- Furniture
- Electronics
- Clothing
Home insurance coverage often excludes very expensive, rare, or collectible items. For instance, your great-grandfather’s watch or a fine art piece unless you have an additional endorsement or rider on your policy.
Home insurance policies reimburse you for the damaged property on an actual cash value basis or the cost of the item minus depreciation. However, if you had a
replacement cost policy
, your insurance would reimburse you for the item’s full value. In addition to your electronic devices, homeowners insurance should also cover the cost to repair the window and other damage caused by the burglar. Take lots of pictures of the damage and submit a claim to your insurance company ASAP. You should receive full reimbursement, subject to your deductible and policy limits.
Once your claim is closed, you may want to consider reviewing your options for home insurance coverage as claims can cause your rate to increase. If you want to save money on home, renters, or car insurance, the
Jerry
app is a good place to start. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new home or renters insurance. Jerry will even help you cancel your old policy.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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