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Damage Type Guide
Theft & Burglary Claims
Theft claims require a police report and careful documentation. Understanding your policy's limits is crucial—many categories have surprisingly low coverage.
Police Report Required
Most insurance policies require a police report for theft claims. File immediately—even if you don't think police will recover your items. The report documents the incident and is essential for your claim. No police report often means claim denial.
Know Your Policy Limits
Most policies have sub-limits for certain categories. Your $100,000 contents coverage doesn't mean $100,000 for jewelry. Check these common limits:
Jewelry & Watches
$1,500 - $2,500This is per occurrence, not per item. A $10,000 ring only gets $2,500 without a rider.
Cash & Money
$200 - $500Very low limits. Don't keep large amounts of cash at home.
Firearms
$2,500 - $5,000May need separate coverage for valuable collections.
Electronics
Full coverageBut subject to depreciation unless you have replacement cost coverage.
What to Do After a Theft
Follow these steps to protect your claim
Step 1
Call the Police
File a police report IMMEDIATELY. This is required by most policies. Get the report number and officer's name.
Step 2
Don't Touch Anything
Preserve the scene for police investigation. Don't clean up or move items until police have documented everything.
Step 3
Document the Scene
After police clear the scene, photograph evidence of forced entry, disturbed areas, and where items were taken from.
Step 4
Contact Insurance
Report the theft. Have your police report number ready. Ask about emergency funds if you need immediate help.
Documenting Stolen Items
The more documentation you have, the stronger your claim. Here's what to gather:
Electronics
- Serial numbers (check Settings > About)
- Model numbers
- Purchase receipts or emails
- Photos of items
Check your email for digital receipts. Amazon, Best Buy, Apple all keep purchase history.
Jewelry & Watches
- Appraisals (required for high-value)
- Photos of items being worn
- Certificates of authenticity
- Purchase receipts
Items over $1,500-2,500 need scheduled coverage for full value.
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Talk to Alan AI About Your Theft Claim
Alan AI can guide you through the theft claim process—from police report to inventory to filing. He'll help you understand your coverage limits and document properly.
Knows what adjusters look for because adjusters built him
Helps create detailed inventory documentation
Explains policy sub-limits and coverage gaps
Tracks DOI deadlines so you don't miss important dates
Don't Let Your Theft Claim Be Underpaid
Proper documentation and understanding your coverage limits is crucial. Get expert guidance.
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