What Insurance Covers When Your Belongings Are Stolen

A break-in can shake your sense of security. The good news:  home and condo insurance policies often step in to replace stolen items and repair damage from forced entry. This blog breaks down what’s typically covered at home, what coverage follows you away from home, how special limits work for cash and jewelry, and where Edison Insurance Company’s premium packages can help. Homeowners insurance coverage for stolen items in Florida isn’t one-size-fits-all. Limits and deductibles apply – so always review your policy or call your agent.

After a Break-In at Home

Most homeowners and condo policies cover theft of personal property inside your home or condo, plus damage burglars cause while entering – think broken locks, splintered door frames, or shattered glass. Coverage applies to belongings you own, from electronics to clothing to furniture, up to your personal property limit and subject to special limits for certain items. If you’re weighing homeowners insurance coverage for stolen items in Florida, remember: proof matters. A police report number, photos of damage, saved doorbell footage, and a written home inventory all speed things up.

Theft Away From Home

Your coverage doesn’t stop at the front door. Because personal property typically follows you – on vacation, at a hotel, even in a storage unit – so does its coverage (although off-premises limits are often lower than at-home coverage limits). If a thief smashes your car window and grabs your laptop, the laptop usually falls under your home or condo policy, while the broken window is an auto claim. These situations fall under homeowners insurance coverage for stolen items in Florida, which are subject to limits and your all-other-perils deductible.

Is Porch Piracy Covered?

In many cases, yes. Once a package is delivered to your address and then stolen from your porch, it’s generally treated as theft of personal property. Insurers may ask for a police report and any available proof, such as merchant confirmations, carrier tracking, or a doorbell video. If a retailer never shipped the item or the carrier confirms “not delivered,” it’s a customer-service issue rather than an insurance claim. When you think about homeowners insurance coverage for stolen items in Florida, porch piracy sits squarely within the theft peril, subject to your limits and deductible.

Cash, Jewelry, & Other Special Limits

Policies include “special limits of liability” for categories of belongings easier to lose or harder to verify, like cash and jewelry. This is why a $4,000 ring won’t be fully covered under base jewelry limits if it’s stolen – unless you’ve raised those limits. Edison doesn’t offer a scheduled personal property endorsement; instead, we provide premium packages to increase key limits for theft-prone items. If your collection outgrows available package limits, talk to your agent about a standalone valuables policy. It’s a smart complement to homeowners insurance coverage for stolen items in Florida when you own high-value pieces.

Umbrella Policies: a Quick Clarification

Umbrella insurance increases liability protection above your policy’s personal liability limit. It can help if you’re sued after an incident, but it doesn’t pay to replace stolen belongings. Consider an umbrella for peace of mind on lawsuits; rely on your home or condo policy for homeowners insurance coverage for stolen items in Florida.

How Edison’s Premium Packages Can Help

Prefer to keep things simple? Edison’s premium packages raise important limits so more of your loss is eligible after a theft. Here’s how they differ, in plain English:

Plus Package: $30/year

Raises limits for money (to $500), credit card/forgery (to $1,000), and jewelry/furs (to $2,000 total; no single item over $1,500).

Gold Pack: $50/year

Includes all Plus premium package increases – jewelry/furs is bumped up to $2,500 – and also adds $100,000 to your personal injury coverage (an annual aggregate limit).

Platinum Package: $115/year

Includes all Gold premium package increases – although jewelry/furs is increased to $5,000 total – and also:

• Increases personal liability by $100,000
• Increases medical payments by $3,000
• Includes water backup coverage up to $5,000

Choosing a package won’t change your overall personal property limit, but it can ease the sting of special limits after a theft – an important consideration when shopping for homeowners insurance coverage for stolen items in Florida.

What to Do Right After a Theft

Start with safety, then documentation. Call the police and get a report number. Photograph any damage and save doorbell or security camera clips. Make a written list of what’s missing with approximate values, brand names, and serial numbers where available. Then contact Edison or contact your agent to open a claim and share your documentation. These simple steps help you make the most of homeowners insurance coverage for stolen items in Florida and keep the process moving.

Make Your Policy Work Harder

An up-to-date home inventory, including photos of rooms, close-ups of valuables, and saved receipts, can make all the difference after a theft. So can the right personal property limits in your policy. If you keep cash at home or wear jewelry regularly, consider upgrading to an Edison premium package before a loss occurs. It’s a practical way to stretch your homeowners insurance coverage for stolen items in Florida when you need it most.

Protect Your Valuables with the Right Home Insurance Coverage in Florida

If you already have an Edison policy, review your limits and deductibles with your agent today – especially with regard to cash and jewelry. Not yet insured with Edison? Get a quote now. We’ll help you understand homeowners insurance coverage for stolen items in Florida, choose sensible limits, and keep life moving after the unexpected occurs.

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