One of the questions that most homeowners ask is if their home insurance policy will cover the theft of items during a burglary or just petty theft? The answer is yes. Your home insurance policy is in place to give you peace of mind. While many think of a home insurance policy as protection in the event of a fire or other disaster, they cover more than you think. At Pacati Insurance Group, our agents work with homeowners in the Fairfax, VA area to put the right coverage in place. Consider your home insurance policy to be financial protection if something should happen.
The home insurance policy not only covers the physical structure of the home but all of its contents, including personal items and furniture. This coverage extends to items that are damaged or stolen when you are away from home. For instance, if your laptop is stolen from the local library or coffee shop, it is still covered by the home insurance policy. The policy will provide funds to repair or replace the item up to the coverage cap.
Beyond this, your policy also provides liability coverage that protects you if someone is hurt on your property. It also covers any structures on the property, such as outbuildings or fences. This means that if something is stolen from the outside of the home, it will still be protected. While you should always take precautionary measures, you have recourse if something goes wrong.
In the Fairfax, VA area, our team at Pacati Insurance Group is ready to talk with you about your home insurance options. Explore our website for general information, then when you’re ready, call or come by to speak with one of our knowledgeable agents. We want to help you protect your home and personal possessions. Call today!