Will Home Insurance Protect Me From Theft and Vandalism?

Your Parsons, KS home is your castle, your place of refuge and safety from the world. Unfortunately, some seek to cause mischief and harm by invading or otherwise destroying our homes. While Clemens Insurance Agency can’t prevent the ill-actions of others, we can offer you a financial safety net in terms of a home insurance policy.

How a Home Insurance Policy Will Protect Your Assets From Theft or Vandalism

Your home insurance policy provides coverage not just for your home, but also for your personal property and personal liability should something terrible happen, including theft and vandalism. However, each part of this policy is likely to have stipulations, such as special limits of liability, in which you may be unable to recover the full amount of a costly item unless you have an endorsement. 

Another common question our Clemens Insurance Agency often fields is what exactly is the difference between theft and burglary, and what type of vandalism is covered? The following is a look at all three of these actions and how your home insurance will help:

  • Theft is when someone knowingly takes someone else’s property either without their knowledge or under false pretense. For example, theft is both a stranger taking your bike off your front porch and a neighbor asking to borrow it but never returning it. Your home insurance policy would cover both. 
  • Vandalism is the deliberate destruction of someone’s property, including both home and belongings. For example, both a person cutting down your trees without permission and a person spray-painting your computer are guilty of vandalism.
  • Burglary is entering a person’s property without permission. For example, a person opening your front door and entering without permission is committing burglary.

Learn More About Home Insurance

For more information about home insurance and what it does and doesn’t cover, contact our friendly Clemens Insurance Agency in Parsons, KS agent today.