A good homeowners insurance policy can protect your home from a good number of dangers, including burglary. A homeowners insurance policy covers the loss of items in your home due to burglary up to a specified amount, minus the deductible. Sometimes if people have valuable items that would exceed the limits of coverage in a homeowners insurance policy, they purchase additional coverage for those items. Unfortunately, stolen items are not the only losses in a burglary.
When someone robs a home it is rarely a "clean" theft. They usually enter by breaking a window or damaging a lock. They are usually rushing to get the valuables before you get home, so they are not terribly careful or gentle in searching for items of value. They might smash vases, rip paintings, tear apart furniture and do various other damage while looking for your best hiding spots. Luckily, this damage is usually covered by your homeowners insurance policy, again, up to specified limits and minus the deductible.
To make things go more smoothly in the event of a burglary, it’s a good idea to have a list of your more valuable belongings, ideally including receipts and photos. At least having a recent picture of the inside of your home can help an insurance adjuster to determine how badly your belongings are damaged. If you live in Texas and you’re not happy with your insurance coverage or don’t yet have homeowners insurance, you need to call Strack Insurance Services today. As your independent agent in Arlington, Texas, we give you the ability to easily compare insurance quotes right on our website, so you can rest assured that you’re getting the best possible insurance at the best possible rate.