Does Home Insurance Cover Theft? What You Need To Know

Homeowners insurance covers theft that happens both inside and away from your home

If you’re a victim of theft, promptly file a claim with your insurance provider.

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Does home insurance cover theft
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Does home insurance cover theft

When is theft covered by homeowners insurance?

A standard homeowners policy covers theft.

If your home is burglarized and the contents of your living room are taken, your insurance company would reimburse you up to your personal property coverage limit — minus your deductible.

When is theft not covered by homeowners insurance?

There are two main limitations to theft coverage on a homeowners policy: personal property outside the premises (your home) and valuable items.

How to file a theft claim?

If you’re a victim of theft, promptly file a claim with your insurance provider.

How do theft claims affect rates?

Filing a theft claim can increase your insurance rates.

Does homeowners insurance cover theft outside the home?

Yes, your policy will cover your property even if you are away from home³.

Does homeowners insurance cover theft from a vehicle?

Yes, your policy will cover your property even if it is stolen from your vehicle⁷.

Does homeowners insurance cover theft from a garage?

Yes, your policy will cover your property even if it is stolen from your garage⁷.

What is considered theft in insurance?

Theft is defined as the unlawful taking of property.

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How much insurance should I have for theft?

The amount of insurance you should have for theft depends on the value of your personal property.

When doesn’t home insurance cover theft?

Home insurance does not cover theft if it is committed by a family member or someone who lives in your home.

What is the difference between theft and robbery?

Theft and robbery are both criminal offenses, but they differ in several ways.

Theft is a crime against property, whereas robbery is a crime against a person.

Robbery involves taking property from a person and using force or the threat of force to do it.

In contrast, theft is the act of taking someone’s property without their consent.

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