Home break-in statistics

Home burglaries have gone down 73% over the past 10 years. We broke down the latest FBI data to help keep you in-the-know.

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Home break-in rates may be on the decline, but it’s still a very real issue: Over 1.5 million homes fell victim to property crimes in 2020, according to the FBI. [1] This resulted in a combined loss of $17.5 billion, not including arson crimes. Fortunately, your homeowners insurance coverage can protect your home and belongings in case you end up on the wrong side of these statistics. 

Home break-ins by the numbers  

  • 522,426 burglaries occurred in the U.S. in 2020 [2]

  • 62% of those burglaries were home break-ins [3]

  • 24% of all burglaries were committed by people who knew their victim in 2020 [4]

  • $2,661 was the average loss per burglary in 2019 [5]

  • 290,909 home burglaries took place during the daytime in 2019 [6]

  • 56% of burglaries involved forcible entry in 2019 [7]

  • 38% of burglars walked into an unlocked home in 2019 [8]

  • 1.4 million firearms were stolen during home burglaries and other property crimes from 2005 to 2010 [9]

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Home break-ins per year

Home burglaries decreased 73% over the past 10 years, according to our analysis of FBI data. [10] [11] Here’s a look at how the numbers shake out.

YearNumber of home burglaries

Does homeowners insurance cover home break-ins?

Yes, homeowners insurance protects your home and personal property in the event of a break-in. This includes replacing items that were stolen, as well as covering damage to your home caused by the break-in.

When it comes to replacing your stolen property, how much your insurance company shells out depends on what type of policy you have.

  • Replacement cost home policy: Your insurer pays for your belongings as if they were new.

  • Actual cost value policy: Your insurer pays for your belongings based on their depreciated value.

Most standard homeowners insurance policies come with actual cost value coverage for personal property. However, you can add on replacement cost coverage for an additional expense. While replacement cost policies are more expensive, it may be worth it to ensure your belongings are fully protected.

→ Learn more: Actual cost value vs. replacement cost insurance policies

How to protect your home from break-ins

Here are a few safety measures you can take to protect your home from burglars. And bonus: You may even get a discount from your home insurance company for practicing these!

  • Install an alarm system or even just a doorbell camera

  • Use smart door locks and porch lights 

  • Add motion-sensing outdoor lights throughout your property

  • Keep your garage door closed at all times

  • Install deadbolts to doors with outside access

  • Add locks to your windows

  • Reinforce sliding glass doors

  • Keep your lawn mowed and shrubs trimmed

  • Check your mail often — or ask a friend to pick it up if you’re out of town

→ Take a deeper dive into homeowners insurance and theft

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