If my home is burglarized, is it covered by my Homeowners insurance policy?

Yes, if your home is burglarized, your Homeowners insurance typically provides coverage under the personal property section of your policy, helping to replace stolen belongings such as furniture, electronics, jewelry, and other valuables, up to the policy limits and subject to the deductible. Additionally, dwelling coverage may apply to structural damage resulting from the break-in, such as broken windows, doors, or locks. However, certain limitations exist—high-value items like jewelry, artwork, and collectibles are often subject to coverage caps and may require a scheduled rider for full protection. Cash is another restricted category, with most policies providing only limited reimbursement, typically between $200 and $500. Moreover, if there are indications of negligence, such as an unlocked door or the absence of forced entry, a claim may be denied. To ensure comprehensive protection, it is advisable to regularly review your policy and consult with your insurance broker regarding potential coverage enhancements.