Burglaries Happen—Will Your Home Insurance Protect You?

Coming home to find your belongings gone and your sense of security shattered is a nightmare no homeowner wants to experience. Unfortunately, burglaries happen every day—often when we least expect them. The good news is that if you have the right homeowners insurance, you may be financially protected against theft, break-ins, and the damage that follows. But how well are you really covered?
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Let’s break down how home insurance works when it comes to burglaries and what steps you can take to protect your home and your peace of mind.

Does Home Insurance Cover Burglaries?
In most cases, standard homeowners insurance policies do cover losses due to burglary. Coverage generally falls under two main components:

1. Personal Property Coverage

• Reimburses you for stolen or damaged belongings (furniture, electronics, jewelry, etc.), up to your policy limits.

2. Dwelling and Structural Coverage

• Covers repairs if the burglar damaged your doors, windows, or locks during the break-in.

Some policies also include:
3. Additional Living Expenses (ALE)

• If your home is uninhabitable after the burglary (e.g., broken windows in winter), ALE can help pay for temporary accommodations.

What’s Typically Covered in a Burglary Claim?

• Electronics (TVs, laptops, phones)
• Jewelry (up to certain sub-limits)
• Cash (often limited to a small amount)
• Clothing and personal items
• Furniture and appliances
• Forced entry damage (broken locks, windows, or doors)

What Might Not Be Covered?
Home insurance has coverage limits, exclusions, and sub-limits, especially for high-value items like:

• Jewelry and watches (often capped at $1,500–$2,500)
• Fine art, collectibles, or rare items
• Large amounts of cash
• Business property in your home

To ensure full protection, consider adding scheduled personal property coverage or a personal articles floater for high-value belongings.


5 Key Steps to Take After a Burglary

1. Call the Police Immediately
   File a police report and get a copy—it’s required for insurance claims.
   
   
2. Document the Damage
   Take photos of entry points, missing items, and damage.
   
   
3. Contact Your Insurance Company
   Report the incident as soon as possible. Your insurer will guide you through the claims process.
   
   
4. Provide a Detailed Inventory
   Submit a list of stolen items with estimated values and receipts, if available.
   
   
5. Secure Your Home
   Make temporary repairs to doors, windows, and locks to prevent further issues.

How to Strengthen Your Home Insurance Coverage

• Review and Raise Your Policy Limits
  Make sure your personal property coverage reflects the actual value of your belongings.
  
  
• Add Riders or Endorsements
  Schedule valuable items like jewelry, antiques, or firearms for full coverage.
  
  
• Update Your Home Inventory
  Keep a digital record of your possessions, receipts, and serial numbers.
  
  
• Install Security Devices
  Alarm systems, smart cameras, and reinforced locks can deter burglars—and may even qualify you for a discount.

Final Thoughts
Burglaries can be emotionally and financially devastating—but the right home insurance policy can help you recover faster and protect what matters most. By understanding what’s covered, updating your policy regularly, and taking proactive security measures, you can rest easier knowing your home—and your future—are well protected.
Because when the unexpected happens, you want coverage that truly has your back.

At Harvest Insurance Group, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. Get in touch with our company at (940) 441-7157 to learn more about our offerings. Today, by CLICKING HERE, you may get a free estimate.

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​