Is burglary covered by your homeowners insurance?

Yes, it is but while the FBI estimates that a burglary occurs every 14.6 seconds (according to 2010 statistics), there are actions you can take so your home is less likely to become a statistic. First, do you have the proper insurance protection? You should review your homeowners insurance policy to make sure that any “big-ticket” items you may have purchased since you bought your policy are fully covered for theft and other losses. Second, make a record of all the serial numbers of your electronic devices and take photographs as well. This will aid the police and your insurance company if your property is stolen. Finally, do you have a professionally installed burglar alarm system? Not only will an alarm system make a burglar think twice about breaking into your home, but many insurance companies offer a discount on homeowners policies if your home is equipped with an alarm.

Other helpful tips include: maintaining the shrubs in your yard so they are less than three feet high in the front and sides of your home; securing all your doors with deadbolt locks; setting a few lights in your home on timers (make sure they are set to go on and off at different times); and positioning your valuable possessions (e.g., televisions, stereos) so they cannot be seen when a person looks in the window.

If you have any questions about your homeowners insurance policy, give us a call. We are more than happy to answer your questions. Securing your home allows you to create a stress-free environment in which all your possessions are protected. However, should you become the victim of a burglary, contact us as soon as possible and we will help you through the claims process to replace your property.

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