Theft and burglary claims strike at more than just your belongings—they impact your sense of safety, privacy, and control. Whether it's a forced break-in or a crime of opportunity, the aftermath can feel deeply personal and overwhelming. Most standard homeowners policies do cover theft-related losses, but the path to reimbursement is filled with fine print, sublimits, and paperwork—especially for high-value categories like jewelry, electronics, collectibles, art, and cash.
Insurers often require detailed inventories, police reports, and proof of ownership for every stolen item. But after a traumatic event, gathering receipts, model numbers, or photos isn’t always possible—especially for items that were gifted, inherited, or casually acquired over time. Without proper documentation, claims may be underpaid or denied entirely.
At Loti, we make this process easier by guiding you through each step—from rebuilding your inventory to organizing documentation and presenting your claim in a clear, credible way. Our tools and expertise help recreate the story of what was taken, verify value where records are missing, and push for the full reimbursement your policy promises.
OUR APPROACH
Theft & Burglary—Rebuilding More Than What Was Taken
File a police report as soon as possible and secure a copy with the official case number
Build a room-by-room inventory of all stolen items, including brand names, models, and estimated values
Locate any available receipts, warranties, credit card records, product manuals, or photographs
Review your policy’s sublimits on specific categories like jewelry, firearms, collectibles, and electronics
Document any structural damage from the break-in—such as broken locks, doors, windows, or forced entry points
Key Steps We Help You Take After A Theft or Burglary:
We also help you review your broader coverage—such as off-premises theft, identity fraud provisions, and replacement cost vs. actual cash value settlements—so nothing gets missed.
At Loti, we help you recover more than just items. We help rebuild order, accuracy, and confidence—so you can move forward knowing your claim is complete, your losses are validated, and your recovery is underway.
FREE RALLYBACKS
Theft can be a devastating experience, both emotionally and financially. Fortunately, most standard homeowners insurance policies include coverage for theft, helping to protect homeowners from the financial loss associated with stolen property. The theft peril is an essential part of your homeowners insurance, offering coverage for the loss of personal property due to theft, whether the incident occurs at your home or in some cases, even off-premises. Understanding how this coverage works, what it includes, and its limitations is crucial for homeowners who want to ensure they are fully protected.
This detailed guide will explain what the theft peril is, how it works within a homeowners insurance policy, and provide specific examples to help homeowners understand when and how this coverage might apply.
Understanding the Theft Peril in Your Homeowners Insurance Policy: A Detailed Guide
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