Someone broke in to our house today and just wanted to know if house insurance covers for the items stolen?

  • by Alejandro
  • May 05,2015
  • 8 answers

I got home from work and I saw the door open from my house and when I walked in the rear slide door was open too. Someone broke into my house and stole what I think would be common stuff like 2 tv, 3 of my dre beats, my shotgun, about 15 hats, 2 tablets, 1 laptop, jewelry, playstation 4, and more stuff. I called the cops and I've been waiting for 4 hours for them to show up. I called them again and they said that they will come when they have time because they have other emergencys. Would house insurance cover what has been stolen? I believe my parents have either State Farm or farmers.


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Insurance Answers (8)

babyboomer1001 6 months ago

What have you been doing for four hours? Start taking inventory. When the police arrive, you will be expected to tell them what is missing. Yes, homeowner's insurance will cover the missing items. Whether you will get a depreciated value or replacement value depends on what insurance was purchased.

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Beverly S 6 months ago

Yes, with a police report. You may not get full value though.

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Biff 6 months ago

there is usually possessions coverage - there might be a deductible

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mbrcatz 6 months ago

Your homeowners insurance - if you have theft coverage - likely has a limitation on it for electronics. It also has a deductible, and even if you have "replacement cost coverage" you get depreciated value up front, until after you've actually replaced the items - and electronics depreciate very quickly.
Lastly, theft claims take a LONG time to get paid - usually six weeks or more, to give the police an opportunity to try to recover the stolen items. So, it's not going to be a quick and easy check.

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Bob 6 months ago

Yes it will

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larrybud2004 6 months ago

Your parents should call their insurance company to file a claim. Read your policy to see what's covered.

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Badge203 6 months ago

It is called homeowners insurance not house insurance
And it sounds like the insurance is in their name so you couldn't file a claim anyway, they would have to
And what is covered depends on the type of policy they have

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Dion J 6 months ago

Most likely, yes.
Theft is a pretty standard peril on homeowner's policy.
And, as a relative living there, you, too, would be considered an "insured". So yes, you could file a claim.
Here's what the adjuster will ask for:
-File a police report.
-Make a comprehensive, detailed listing of the items stolen. Include model numbers, prices, dates and places of purchase. Don't write vague things like "15 hats at $10 each". List them.
-Provide receipts, instruction manuals, photos, or other proof of ownership.
If you have replacement cost coverage, you should be reimbursed full replacement cost once the items are replaced.

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