Does Homeowner Insurance Cover Theft?

There’s no question that theft can be a devastating event for homeowners. After all, your home is full of items that are both monetarily valuable, but that also hold emotional value for you and your entire family. This is why it is so important for you to purchase the right homeowner’s insurance policy from a reputable insurance company to protect your home in Rochester Hills, MI. The team at Guy Hurley McNeil can help you achieve this.  

If you have ever experienced a break-in or theft, it’s important you contact the police immediately. Once you have done this, contact your insurance company.

Coverage for Theft

A typical homeowners policy includes coverage for all of your personal property. Any loss resulting from theft is usually included as a part of the protection you receive for personal property. What this means is if an intruder breaks into your home and steals valuable items, then your insurance will cover it once your deductible has been met.

The majority of policies will also provide coverage for your items even if they are away from home and stolen; however, there are some limitations to this. It’s essential to fully understand the scope of your policy to determine what is and is not covered.

Purchasing Insurance that Protects Your Valuables

It is imperative that you purchase the right insurance policy for your needs. Take some time to speak to a reputable insurance agent to find out the type of coverage you need to ensure your home and belongings are fully protected from theft of any kind. By doing this, you will have greater peace of mind.

To purchase insurance to protect your home or belongings or to have your questions answered, contact Guy Hurley McNeil, who serves the Rochester Hills, MI area today.