Does homeowners or renters insurance cover theft?

Theft of belongings is commonly a covered cause of loss on homeowners and renters policies, after the deductible, with lower limits for items like jewelry, firearms, and cash unless they are scheduled. Your policy and insurer decide.

Is stuff stolen from my car covered by car insurance?

Belongings stolen from a car are usually handled under your homeowners or renters policy, not auto insurance. Damage to the car itself, like a broken window, is commonly handled under comprehensive.

What to do after…

What to do after a break-in or theft

A break-in leaves people shaken and unsure where to start. Here is a simple order of steps, from making sure you are safe to filing the claim.

Step by step

Safety first

If you think someone may still be inside, do not go in. Leave and call 911.
Do not touch anything the burglar may have handled until police have looked.

Call the police and get a report
Insurers commonly require a police report for theft claims. Write down the report number and the officer's name.
Photograph the scene
Record broken doors and windows, damaged locks, and disturbed rooms before cleaning up.
Secure your home or vehicle
Board broken windows and repair or replace locks. Keep receipts; policies commonly expect reasonable steps to prevent further loss.
List what was taken
Describe each item, with brand, model, serial number, age, and value if you know them. Photos, videos, receipts, and bank statements help. A home inventory makes this much easier.
Report it to your insurance company
Call your insurer's claims line with your police report number. Cancel stolen cards and change passwords if devices were taken.

Photograph, write down, and keep

Your record

Police report number and officer's name
Photos of damage and disturbed areas
A detailed list of stolen items with values
Receipts, photos, or statements that show ownership

Common regrets to avoid

Cleaning up before police and photos
Guessing at values instead of finding records
Leaving a broken door or window unsecured

Keep your claims numbers in one place

Save each policy in a free PolicyChecked account and print a one-page insurance summary with every insurer's claims phone and your policy numbers. Create a free account

Need a hand?

Claims are reported to and decided by your insurance company. If you are not sure who to call or what your policy says, a licensed agent can help you find out: (888) 509-8502.

Questions

Understand the policy side

Know what you're covered for before you need it.

Check your coverage free in about a minute, then talk with a licensed agent about anything you want to change or quote.

Check Your Coverage Get a Quote Call (888) 509-8502