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 It happened on a quiet Sunday morning in Edmond. The Thompsons were at church, thinking about brunch plans, not burglary. But while the family sang hymns and shook hands, someone broke into their home. A back window was smashed. The jewelry box was emptied. A laptop and TV were gone. When they got home, the feeling was part panic, part heartbreak. Then came the next question: does home insurance cover this? Break-ins are one of the more emotionally jarring types of loss a homeowner can face. You're not just dealing with missing stuff—you're dealing with the reality that someone was in your space, uninvited. If you're a homeowner in Oklahoma City or the surrounding area, here's what you need to know about how your home insurance policy responds to theft, break-ins, and property damage. What Home Insurance Typically Covers After a Break-InYour standard homeowners insurance policy is built to help with unexpected situations like theft. While every policy is different, most cover three big areas after a break-in: 1. Stolen Personal PropertyYour policy can help reimburse you for stolen items—TVs, laptops, jewelry, tools, firearms, and more. But there are usually limits. For example, many policies cap jewelry theft coverage at $1,000 to $2,500 unless you've added an endorsement. 2. Property DamageIf the intruder broke a window or kicked in a door, those repairs are often covered under your dwelling or other structures coverage. 3. Additional Living Expenses (ALE)If the damage is severe and you can’t stay in your home during repairs, your policy may help cover temporary lodging, food, and transportation. What’s Not Covered?Even though home insurance provides solid protection, there are a few things it doesn’t usually cover:
It’s also important to know that actual cash value (ACV) coverage factors in depreciation. That five-year-old laptop? You’ll get reimbursed for what it’s worth now—not what you paid. You can upgrade to replacement cost coverage to avoid this gap. How to File a Theft Claim in Oklahoma CityIf your home is burglarized, take these steps right away: 1. Call the PoliceFile a police report immediately. You’ll need it when filing your claim. 2. Document the DamageTake photos of the damage, what was stolen, and anything disturbed. 3. Make Temporary RepairsBoard up broken windows or doors if needed, but save receipts for any costs—you may be reimbursed. 4. Contact Your Insurance AgentGet your claim started quickly. Your agent will walk you through the process and explain what documentation is needed. Commonly Stolen Items and Insurance LimitsNot all property is treated the same under your policy. Here’s a quick look at typical sub-limits:
If you own high-value items, schedule them individually to protect their full value. How to Prevent Break-Ins in the First PlaceInsurance helps you recover—but prevention keeps you from needing to. Here are smart steps Oklahoma homeowners are taking:
Do You Have Enough Coverage for Theft?Too many Oklahoma homeowners find out too late that their personal property limits are too low or that important items weren’t scheduled. Others are surprised by depreciation deductions they didn’t expect. At Oklahoma Insurance Professionals, we walk you through your policy before anything happens—not just after a disaster. As an independent agency based right here in Oklahoma City, we help you get the right homeowners insurance protection for your specific risks, neighborhood, and lifestyle. Contact us today to review your home insurance policy and make sure it stands up to real-world scenarios—like break-ins, storms, or a burst pipe. We serve Oklahoma City and the surrounding areas with personal and business insurance solutions that actually protect you when it matters most.
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