Am I Covered if my Home is Damaged During a Burglary?

Getting a homeowners insurance policy is a means of protecting yourself and your assets if something bad happens to them. When you select this coverage, you are paying premiums to your provider so that you will be compensated if damage occurs to your home or belongings. Under most standard policies, you're going to be covered if your home is damaged as the result of a burglary. You can be certain that your home will get the necessary repairs after such an incident.

Although most basic homeowners insurance policies are going to offer coverage for damages caused by burglaries, you need to make sure that your policy includes this coverage and find out how to decrease house coverage payments. If you just make the assumption that it does cover these things, then you could be in for a big surprise after a burglary occurs. You need to make absolutely certain that this coverage is included in your policy. It if doesn't come in the basic package, then you should try to add it when you select your policy. It might cost a bit more each month, but it will definitely be worth it.

Filing a Burglary Claim

If you need to file a claim after a burglary has caused damage to your home, then you're going to need to provide your homeowners insurance company with as much information as you possibly can. Your company is going to have a claims adjuster who will look at all of the evidence that you submit and make a decision in regards to your claim. If you want to make certain that you get enough money to take care of the damages, then you need to be as thorough as you possibly can with the process.

It might be a good idea for you to find out what the claims process is like at your company before you ever have to make one. If you can get this knowledge now, then you will definitely have an easier time of things when you go to make a claim on your policy. Get out your policy now and look over the instructions listed there for filing a claim. If you have any questions about this process, then you might want to contact your agent and ask about them. It will really help speed along your claim.

Reimbursement for Personal Possessions

When you are filing a claim for damage caused by burglary, this is often easier to assess than a claim for reimbursement of personal items. However, usually both of these things are going to need to be considered when you file a claim. If a burglar actually makes his or her way into your home, the odds are that some of your things will get stolen. In this case, you are going to have to prove to your provider what was actually taken, and it can be difficult for you to remember everything. As such, it's important for you to make a list of all your personal items and include receipts if you can.

Review Your Policy

You need to make certain that you will be covered if your home is damaged by a burglary, so make sure that you look for this coverage when you renew your policy each year. At this time, you can decide whether or not you need to up your coverage or if you want to reduce it a bit. If you have had an incident in the past, then you will know what it might cost to repair these damages, so you can assess how much coverage you need.

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