Nothing can make a homeowner feel more unsettled than coming home to find that their home has been burglarized. The feelings of vulnerability that this kind of event can trigger are indescribable. Your insurance representative at Robinson Insurance Group, LLC, serving Alabama, wants you to know that there are measures you can take to protect your home from theft, including ensuring you have the proper insurance protection.

Personal Property Coverage

Most standard home insurance policies include personal property coverage, which helps pay to replace stolen items. This can include electronics, jewelry, furniture, appliances, and other valuables taken during a theft. Coverage is usually based on either actual cash value or replacement cost. Knowing which type your policy offers is vital for understanding how much you can recover.

Coverage for Damage During a Break-In

Thieves often cause damage while entering your home, such as broken windows, forced doors, or vandalism. Home insurance can help cover the cost of these repairs under the ‘dwelling’ or ‘structure’ portion of your policy. If a detached garage or shed is damaged, that may be covered under "other structures."

Special Limits for Valuables

Some high-value items, such as fine art, collectibles, or expensive jewelry, may be subject to coverage limits. If you own valuables that exceed these limits, your insurer may offer the option to add scheduled personal property coverage for more comprehensive protection.

Filing a Claim

After a theft, report the incident to the police immediately and file a claim with your insurer. Document the stolen items with receipts, photos, or an inventory list to streamline the process.

While no one wants to imagine their home being targeted, insurance provides a financial safety net. Regularly reviewing your policy with the help of Robinson Insurance Group LLC, serving Alabama, helps ensure you’re as prepared as possible, not just with locks and alarms, but with solid protection if the unexpected does happen.