Does Home Insurance Cover Theft and Robbery?

When it comes to protecting your home and personal belongings, understanding how your home insurance policy works is crucial—especially in theft or robbery. Many homeowners wonder if their policy covers the financial losses from these unfortunate incidents. The good news is that most standard home insurance policies do provide coverage for theft and robbery, but there are important details and limitations to consider. In this guide, we'll explore how home insurance can protect you from the costs associated with theft, what is typically covered, and how to maximize your coverage to safeguard your home.

What is Burglary Coverage?

Burglary coverage is a component of your homeowners insurance policy that provides financial protection in the event of theft where force is used to enter your home or property. This type of coverage typically falls under personal property coverage, which protects your personal property from being stolen or damaged due to burglary.

Here are some key aspects of burglary coverage:

  • Homeowners Insurance: Most homeowners insurance policies include burglary coverage, meaning your home insurance will help cover losses due to break-ins.

  • Personal Property: If items are stolen away during a burglary, the insurer may reimburse you for their replacement cost or actual cash value, depending on the terms of your home insurance policy.

  • Filing an Insurance Claim: In the event of a burglary, you must file an insurance claim with your insurance company. This usually requires a police report documenting the incident.

  • Home Inventory: Maintaining a home inventory of your belongings can expedite the claims process, as it provides a detailed list of what was stolen.

  • Coverage Limits: Be aware that certain items, such as firearms or high-value items, may have specific limits or require additional coverage through endorsements.

  • Deductibles: Your homeowners policy may have a deductible, which is the amount you'll need to pay out of pocket before the insurer covers the remaining costs of your home insurance claim.

  • Renters Insurance: If you’re renting, renters insurance also typically includes coverage for personal property stolen during a burglary, similar to homeowners insurance.

Overall, burglary coverage is an essential aspect of protecting your assets and ensuring that you are financially compensated in case of a break-in. Always review your homeowners insurance policy to understand the specifics of your coverage.

Can You Insure Against Theft?

  • Yes, you can insure against theft through your homeowners insurance policy.

  • Coverage typically includes personal property coverage, protecting items like electronics and jewelry if they are stolen.

  • High-value items, such as firearms, may require additional endorsements for full coverage.

  • In the event of theft:

    • File an insurance claim with your insurance company.

    • Provide a police report and a detailed home inventory of the stolen items.

    • The insurer will assess the claim based on replacement cost or actual cash value.

    • Be aware of any deductible that applies, meaning you'll cover a portion of the loss.

  • Homeowners insurance also extends to theft outside the home, including items taken from your car.

  • Review your homeowners policy to ensure adequate dwelling coverage and personal property protection.

  • Installing security systems can help lower premiums, as many insurers offer discounts for enhanced security.

How Do I Claim For Theft Insurance?

Claiming theft insurance involves several steps to ensure your insurance claim is processed efficiently. Here’s a guide to help you through the process:

  1. Report the Theft:

    • File a police report immediately after the theft occurs. This is crucial for both legal purposes and as a requirement for your insurance company.

  2. Document the Loss:

    • Create a detailed home inventory of the stolen items, including descriptions, values, and any receipts or photographs you may have. This information will support your claim.

  3. Contact Your Insurance Company:

    • Notify your insurance company about the theft as soon as possible. You can usually do this via their claims hotline or online portal.

  4. Fill Out Claim Forms:

    • Complete any required insurance claim forms provided by your insurer. Be thorough and accurate in your descriptions of the stolen items and the circumstances of the theft.

  5. Provide Supporting Documents:

    • Submit the police report, your home inventory, receipts, and any other relevant documentation that supports your claim.

  6. Meet with an Adjuster:

    • An insurance adjuster may be assigned to assess your claim. They might want to inspect any remaining property or interview you about the theft.

  7. Review the Settlement Offer:

    • Once the claim is processed, your insurer will provide a settlement offer based on your homeowners insurance policy terms, considering the replacement cost or actual cash value of the items.

  8. Accept or Negotiate:

    • Review the offer carefully. If it seems inadequate, you can negotiate with your insurer.

  9. Receive Your Payment:

    • After accepting the offer, you’ll receive payment according to the terms of your home insurance policy, minus any applicable deductible.

  10. Keep Records:

    • Maintain copies of all correspondence, reports, and documents related to the claim for your records.

Kangaroo’s Package Theft and Damage: Quick Reimbursements and Swift Claims Process

At Kangaroo, we recognize the challenges and frustrations that come with package theft and damage. Our goal is to make the reimbursement process as efficient and hassle-free as possible. We are committed to providing you with comprehensive support to address these issues effectively.

  1. Efficient Claims Process: Our intuitive platform simplifies the claim filing process. Whether dealing with a stolen package or a damaged item, our step-by-step instructions guide you through each stage with minimal hassle.

  2. Fast Reimbursement: We emphasize quick turnaround times for handling your claims. After submission and review, we aim to process your reimbursement within 72 hours to ensure timely support.

  3. Dedicated Assistance: Our expert claims team is available to support you throughout the entire claims journey. We provide answers to your questions, keep you informed with updates, and ensure you have the assistance you need.

  4. Thorough Coverage: Kangaroo’s policies are crafted to mitigate the financial effects of package theft and damage. Our coverage options are designed to offer substantial compensation, giving you confidence that your losses are managed effectively.

  5. Simplified Documentation: We offer clear guidance on how to document and submit evidence for your claim. This ensures a smooth processing experience and helps you receive the necessary reimbursement or replacement efficiently.

Kangaroo is dedicated to delivering top-notch home security with our tailored Protection Plans. Choose between the Camera Protect Plan and the Complete Protect Plan to find the coverage that best suits your needs.

  • Camera Protect Plan: This plan provides essential features including 30-day cloud storage for recorded video, allowing you to review and save important footage. Additionally, it offers a $250 Theft + Damage Reimbursement to give you added peace of mind.

  • Complete Protect Plan: For enhanced protection, the Complete Protect Plan includes professional monitoring with 24/7 access to a security team. This team is ready to alert authorities in an emergency and provides a higher $1000 Theft + Damage Reimbursement.

With Kangaroo’s Protection Plans, you can be confident that your home security is comprehensively covered.

How to File a Claim with Kangaroo: Guide to Fast Reimbursement

Filing a claim with Kangaroo is designed to be clear and efficient, ensuring you get the reimbursement you deserve with minimal hassle. Follow these essential steps to guide you through the process:

  1. File Your Claim Promptly: Submit your claim within 5 days of the incident.

  2. Complete the Claim Form: Fill out the claim form at this link.

  3. Provide Necessary Documentation:

    • For property damage: Submit a repair invoice or estimate.

    • Include at least three photos of the damage from different angles.

    • For incidents involving burglary, break-ins, or person-caused damage: Attach a police report.

  4. Review Period: Allow 24-48 hours for feedback on any missing documents or additional information required.

  5. Claim Reimbursement: Once all information is complete, your claim will be processed, and reimbursement will be issued within 72 hours.

  6. Reimbursement Methods: Payments are made via PayPal or ACH Bank/Wire Transfer.

Related Contents:
How to File a Claim: Does Homeowners Insurance Cover Theft or Burglary?
Does Homeowners Insurance Cover Theft? Reality Vs. Assumption
Home Insurance Claims: Theft, Burglary, and Reimbursement Explained

Kangaroo Reimbursement Approval Trends: Package Theft vs. Property Damage

Explore the reimbursement trends for package theft and property damage claims with Kangaroo. The tables below highlight the maximum approved amounts and approval rates for each year, showcasing how our reimbursement offerings have evolved and how we love paying you back.

Package Theft Reimbursements Data:

Year Max Approved Approval Rate
2021 $250.00 94.29%
2022 $350.00 84.44%
2023 $1,000.00 92.86%
2024 $500.00 100.00%

Property Damage Reimbursements Data:

Year Max Approved Approval Rate
2021 $250.00 94.74%
2022 $500.00 85.00%
2023 $500.00 86.96%
2024 $500.00 100.00%

How Kangaroo Security Devices Are Enhancing Home Protection

Kangaroo security devices are helping homeowners and renters protect their property with ease and reliability. Customers are sharing their real-life experiences, from catching burglars in the act to enjoying simple setups that bring peace of mind. Read on to see how Kangaroo’s smart security products are making a difference through innovation, effectiveness, and top-notch customer support.

We Had Burglars Arrested!

Kangaroo’s alert tone is both effective and discreet—quiet enough not to alert intruders but strong enough to wake you from deep sleep. After using it to protect our car, we caught burglars in the act at 4 AM. The alarm and our security cameras helped us call the police, who made arrests. I’ve recommended Kangaroo to all my friends.

— Kingsman, Amazon Verified Purchase

Great Product, Easy Setup, and Reliable

Kangaroo is an excellent, easy-to-use product. The setup was straightforward, though I initially had a minor Wi-Fi issue that was resolved after a reset. I've used it in my apartment complex to catch squatters and had success with four break-in incidents. I was also impressed by Kangaroo’s follow-up call the next day to check on me. Highly recommended!

— Zigi, Amazon Verified Purchase

Super Slick Design and a Breeze to Use — Highly Recommended!

We love our new Kangaroo motion sensor. Its sleek design and simple setup make it stand out. The app was quick to download, and the sensor connected effortlessly. Given past break-ins, this device has greatly increased my sense of security. I’m excited to add more Kangaroo products in the future.

— Todd S., Amazon Verified Purchase


Homeowners insurance policies often offer coverage for theft, burglary, and personal property losses, but understanding the specifics of your policy is key. A well-chosen security system like Kangaroo not only deters potential criminals but may also lower your insurance premiums, adding financial savings and great coverage to the peace of mind.

Q&A: Homeowners Insurance Coverage

  • Personal property coverage helps protect the items you own, such as furniture, electronics, and clothing, in the event of theft, damage, or certain other perils. This coverage is typically included in your homeowners insurance policy, ensuring that you are reimbursed for stolen or damaged personal items up to your policy limits.

  • Yes, homeowners insurance generally covers theft of personal belongings, whether the theft occurs inside your home or elsewhere. The insurance company will reimburse you based on the value of the stolen items, either at replacement cost or actual cash value, depending on your policy.

  • If your property is stolen, you should file a police report and contact your insurer immediately. Create a home inventory of the stolen items and provide receipts or documentation if possible. This will help expedite your home insurance claim and ensure you receive adequate coverage.

  • Many home insurance policies have coverage limits for high-value items, such as firearms or jewelry. You may need additional endorsements or riders for full protection. Check with your insurance company to ensure that your valuable items are adequately covered.

  • Yes, renters insurance typically covers theft of your personal property just like homeowners insurance. If an item is stolen away from your rental, you can file a claim and be reimbursed based on the terms of your policy.

  • The deductible is the amount you must pay out of pocket before your insurance company covers the remaining loss. For example, if your deductible is $500 and the stolen items are valued at $2,000, your insurer will cover $1,500 after you pay the deductible.

  • Personal property coverage protects your belongings, while dwelling coverage protects the physical structure of your home. In the event of damage or theft, personal property coverage will help replace stolen items, while dwelling coverage will handle repairs to your home itself.

  • While auto insurance does not typically cover personal items stolen from your car, your homeowners insurance may extend coverage to these items. Check with your insurer to confirm whether your policy includes this type of coverage.

  • A home inventory should include detailed descriptions of your personal property, including the make, model, purchase date, and value. Photos, receipts, and serial numbers can also be helpful in supporting your insurance claim for stolen or damaged items.

  • If the value of your stolen property exceeds your policy's limits, you may not receive full compensation. To avoid this, you can increase your coverage limits or purchase additional coverage for high-value items.

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