How does personal property coverage replace stolen items?

Also known as Coverage C on your home insurance policy, personal property coverage can minimize theft losses in a covered claim by replacing belongings stolen from your home, car, or storage unit, as well as items stolen from you while traveling. If your theft claim is approved, your home insurance company usually pays you the actual cash value (ACV) of the stolen item. Many insurers allow you to purchase replacement cost value (RCV) coverage for an additional cost. RCV covers the value of your item without factoring in depreciation.

Read more about actual cash value vs. replacement cost value.

Most standard policies set your personal property coverage limit at 50% of your dwelling coverage, which protects the structure of your home. However, certain items, such as jewelry or cash, will have lower sub-limits. A sub-limit is a limit within a limit.

FAQs about home insurance theft coverage

Does homeowners insurance cover theft from my car?

Personal items that aren’t permanently installed in your vehicle can be covered up to the limits of your policy, minus your deductible. Note that homeowners insurance won’t cover theft of your actual vehicle. Car theft is typically covered by your auto insurance policy if you have comprehensive coverage.

Does homeowners insurance cover broken windows?

If your windowpane is broken in a burglary, home insurance can cover repairs under your policy's dwelling coverage, which protects your home's structure. Additionally, if the person liable for the break-in is caught and carries home insurance, their policy could pay for the repairs. Home insurance can also cover broken windows in cases of vandalism, fire, wind, and hail.

Does homeowners insurance cover theft outside the home?

Your home insurance policy protects against theft of your belongings while you're away from home, too. For instance, if your luggage is stolen at a hotel or café, you're covered up to the limits of your policy’s personal property coverage. Some insurers offer a lower limit for items stolen off premises, meaning you may only be covered for up to 10% of your personal property coverage limit.

Can I file a burglary insurance claim with no receipts?

You're able to submit a homeowners insurance theft claim even if you don't have a receipt for the item. However, in some cases, your insurer may ask for "proof of loss," which is documentation that you owned the item. Whether the claim is approved or denied depends on your policy and claim details.

Will homeowners insurance cover stolen tools?

Your personal property coverage can pay to replace stolen tools, regardless if the theft occurred out of your home, vehicle, garage, or toolshed. A sublimit may apply for stolen tools.

Does home insurance cover vandalism?

Vandalism is generally covered by standard home insurance policies under the same components as theft. If your home's structure is vandalized, your dwelling coverage can pay to repair the damage. If your belongings are vandalized, personal property coverage can pay to repair or replace the items.

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