Does My Homeowners Insurance Cover Theft?

  1. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    It is always best to check in with your Insurance Professional to discuss the specific terms and conditions of your policy, but you will find that in most cases, yes, your Homeowners' policy will include coverage for loss due to theft.  In many cases theft of items directly from your home may be covered differently than from away your home.  For theft away from your home, you may find that the policy limits total coverage to about 10% of the stated personal property coverage listed on your policy.  There may also be stated "inside limits" to coverage for certain items such as computers, jewelry, firearms etc.  Talk to your insurance professional about insuring your valuable items specifically for their appraised value for broader protection.
    Answered on April 30, 2014
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