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What is home burglary insurance?
There have been a string of breaks in and burglaries in my neighborhood. I’m a bit nervous and want to make sure I have the right protection. I have a home insurance policy, but is there home burglary insurance?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Having the right coverage can definitely help prevent any serious consequences in situations like burglaries or fires. Home burglary insurance is already a part of your home insurance.
There are
16 covered perils
in home insurance. Theft and vandalism are two of these perils. If a burglar breaks your door or window and steals some of your belongings or personal property, your home insurance would cover the damage under your dwelling and personal property coverages, subject to your deductible.Additionally, depending on what’s stolen, your insurance may have special limits of liability. Jewelry and money are items that often have a limit of liability unless you purchase a separate endorsement or rider to cover them.
Beyond your home insurance, you typically can’t purchase a separate home burglary policy. That said, you can always reach out to your insurance company to find out what their policies and coverages are surrounding burglaries.
If you want to save money on home insurance or just want to explore your options, 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
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