Does Home Insurance Cover Theft and Vandalism in Texas?

Theft and vandalism can be one of the more disturbing things that can happen to you in your Austin or Dallas, TX home. When someone comes onto your property, it can be deeply unsettling to think about how another person will treat it. Whether it’s going through your drawers or breaking your windows, you likely want to know what actions can be taken to make the situation right again. Alloy Insurance Partners wants you to know more about whether you can call upon your home insurance policy if either case occurs. 

Does Home Insurance Cover These Events?

The answer to this question is likely yes, though it depends on how your policy is structured. Should either one be excluded, then you should know about this sooner rather than later. Also, there may be certain clauses that will dictate how your carrier will process certain claims. 

For example, let’s say that you were occupying your home consistently until you were called away for an emergency. The emergency was only supposed to take a month to clear up but ends up lasting six months. Because you’re away from your Austin or Dallas, TX home for so long, a group of people break in and begin to use your home for their own purposes. Your insurance carrier may not cover this because you left the house vacant for longer than you were supposed to. 

Tips for Better Coverage 

When it comes to theft and vandalism, the best thing you can do is be proactive and transparent. If you need to leave your home for any given amount of time, make sure you let your carrier know. If you want to know more about how to protect yourself, call Alloy Insurance Partners today to learn about how your coverage works.