Property crime has decreased over the years, but no matter what state, city, or town you live in, there’s a chance your home could be broken into. Here are the facts, figures, and statistics surrounding home break-ins across the U.S.
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Homeowners insurance covers your home and personal property from a number of perils, including theft and vandalism. So if someone breaks-in and steals your stuff, your insurer can help pay to replace your stolen belongings, as well as damage caused by the forcible entry.
Home break-ins are scary, and although property crime has been on the decrease in the U.S. for years, burglaries still happen across the country. We broke down the facts and figures surrounding home break-ins and property loss nationwide.
12.8 million - Number of U.S. households that experienced one or more property victimizations (home break-ins, trespassing, burglary, car theft) in 2019, according to the Bureau of Justice Statistics
$4,391 - Average cost of a homeowners insurance claim for theft
1.4 million - The estimated number of firearms stolen during household burglaries and other property crimes from 2005 to 2010, according to the BJS
67.2% - Percentage of burglaries that were home break-ins in 2017
22% - How much burglary rates decreased from 2018 to 2019
57.5% - Percentage of burglaries that involved forcible entry in 2017
424,886 - Estimated number of residence burglaries that took place during the daytime in 2017
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The number of home burglary cases in the U.S. decreased significantly between 2013 and 2017. The table below shows the number of home burglaries that took place per year over a five year span, according to the FBI 2017 crime statistics report.
|Year||Number of burglaries that took place in a residence|
Homeowners insurance protects your home and personal property if they are damaged or burgled. For example, if someone breaks into your house by smashing your window, and they steal your personal belongings, homeowners insurance can pay to replace your belongings and fix the broken window. It’s important to note that if you have a replacement cost home policy, your insurance company will pay you for your belongings as if they were new, whereas actual cost value policies pay you out the depreciated value.
It’s a good idea to take extra safety measures to properly protect your home, and your insurer may even offer you discounts for doing so. Insurers often offer a discount for installing a deadbolt or alarm system, or even a doorbell camera, because doing so means you are taking preventative measures to protect your home from break-ins.
Before taking out a mortgage, your lender will require that you get enough homeowners insurance to pay for a rebuild of the home in the event of fire or storm damage.
Coverage for your home business is fairly limited under your homeowners policy. To maximize coverage for your home-based business, you’ll need separate home business insurance.
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