Theft insurance covers personal property loss from burglary, robbery, and other theft. Coverage may also include property damage caused by a break-in, such as a broken window or lock. Other structures, such as a detached garage or shed, also may be covered under a standard policy. Coverage also may expand to include personal property stolen while away from home, such as luggage; a guest’s property stolen from your home; your child’s property stolen from a dorm room; valuables taken from your car.
Theft coverage typically is included in a standard homeowners’ or renters’ policy.