Does homeowners insurance cover theft?

Thief stealingUnfortunately we live in a world that is constantly locked, video recorded, and guarded due to the high risk of theft. But what happens if our property is stolen while we were out?

Theft is usually covered under a homeowners insurance policy. One point to keep in mind though is that items like guns/firearms, jewelry, cash, and cameras usually have a set limit as to how much coverage those specific items have.

Remember that losses like these are subject to your insurance deductible. Most losses equal or lesser than your current deductible are better off taken care of without going through your insurance company.

Be sure to call and ask your agent about your current coverage and know what your protected from.

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