If a burglar stole $150,000 worth of personal belongings, you might have to pay out-of-pocket to replace some of the stolen items.Īdditionally, some personal items may be excluded from your policy. For example, if your coverage limit for personal property insurance is $100,000, that’s the most money your insurer would pay out after a break-in or another covered loss. However, your policy doesn’t provide unlimited coverage for theft. This includes items that are inside your home, in your garage, in your basement, or anywhere else on your property, like the backyard. The personal property insurance portion will compensate you for any stolen personal items. The dwelling insurance portion of your policy will cover any structural damage the burglar causes, like a broken window or a picked door lock. In the event of a break-in, most home insurance policies cover damage to your home, as well as stolen personal belongings, like clothing, furniture, and electronics. What does homeowners insurance cover in a break-in?
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