Your Atlanta house is more than just a structure with a roof and walls. It’s your home. You know you need to protect it with the right insurance, even though it’s scary to think about what-ifs – like burglary and what would happen if your home is burglarized. The thought is terrifying. But you might have this question – does home insurance cover burglary? We’re going to answer that question and give you some quick tips to prevent a break-in at your home.
Does Atlanta insurance cover burglary or theft?
Most home insurance policies do cover burglary, yes. Your policy should include personal property coverage, and that will provide insurance for your belongings. So, if someone breaks into your home and steals some of your possessions, you could file a home insurance claim and you would be covered. You’d have to read your policy carefully to find out exactly how your insurance would handle a burglary.
Your policy will probably have a limit for coverage for your personal property. That limit could be a percentage of the dwelling coverage on your home. Anyways, it’s really important to make sure that you have enough coverage to replace all of your belongings, so you need to check that your personal property coverage limit is high enough. (And we can help you make sure that you have the home insurance you need. Get started with Atlanta home insurance quotes by filling out our quick online form.)
To get an idea of how much coverage you need for your belongings to protect yourself against burglary, you can take a home inventory, which is basically a list of all of your belongings and their value. This will come in handy if you ever need to file a home insurance claim for burglary because you’ll easily be able to tell what’s been taken. You’ll know exactly what you need to include in your claim.
What if my belongings are in my car when they’re stolen?
If you have a bunch of stuff in your car and your car gets broken into or burglarized, your home insurance should cover those belongings and replace them. Most policies will cover your personal belongings even if they’re not in the home (although there could be limitations.)
Now, if your car is stolen from your driveway, however, your home insurance won’t cover it. You would have to have comprehensive coverage for your vehicle, which is a type of car insurance that will repair or replace your car if it’s damaged by something other than an accident (such as fire, falling trees, animal strikes, vandalism, and yes, theft.)
How to prevent a burglary at your Atlanta home.
No one wants to see their home get broken into, and it’s important to secure your house. The following tips can help you prevent a burglary at your house:
- Keep the doors and windows locked. Contrary to popular belief, most burglaries occur during the day – not at night.
- Consider getting timers for your indoor lights.
- Make sure you have plenty of outdoor lighting.
- Consider getting a security system.
- Secure your valuables.
- Keep your bushes and trees trimmed to eliminate and potential hiding places for burglars.
- Be familiar with your neighbors.
- Don’t leave boxes from expensive purchases outside on the curb.
So, that’s the scoop about home insurance and burglary. Your home insurance policy most likely covers burglary and theft. There is a section of your home insurance that covers your personal belongings, and that’s the piece that’s going to replace your belongings. So, hopefully, you can find a little peace of mind knowing that your home insurance covers burglary.
Want to save money on your home insurance? We’d be happy to help you get an Atlanta home insurance quote. Our agents are experts at helping people get great coverage at a great rate. To get started with your quote, fill out our online quote form or give us a call today.