Does my home insurance policy protect me against theft? J. Pascarello, Tucson AZ

Mr Pascarello,

Under a standard home insurance policy, your home is protected against losses due to theft. But as I always say, make sure to check your specific policy with your home insurance agent as all policies can be different.

Also keep in mind that there are limitations as to what is covered and how much is covered.  For example, typically jewelry limitations are placed around $1500 unless you have a separate endorsement for specific pieces.  If you find that your jewelry values over $1500 you should talk to your home insurance agent about scheduling some of your valuable items on your policy.

A good way to ensure that you receive all of the coverage you need is to compile a home inventory where you catalogue all of your belongings. In the event of a theft, this home inventory will help you prove ownership of your belongings.

Your Agent at HomeInsurance.com