If you live in Nevada, you probably don’t spend much time worrying about theft or vandalism at home — until it happens. A stolen TV, a broken door, or graffiti sprayed across the garage can turn a normal day into a stressful one fast. Insurance can’t undo the mess, but it’s there to help you recover without taking the full financial hit. Your insurance representative at Hinman & Associates Insurance serving Reno, NV, explains how it all works in situations like this.

Coverage for Stolen Belongings

Most standard home policies will cover your things if they’re taken in a burglary. That usually includes furniture, electronics, and even clothing. Sometimes items stolen from your car while it’s parked at home fall under this protection, too. What surprises a lot of people is the limits on pricey items like jewelry or collectibles. If you have valuables, it’s smart to look into extra coverage rather than assume they’re automatically protected.

How Vandalism Fits In

Coverage is usually included for valdalism, like smashed windows, spray paint on siding, or damage to landscaping. But your insurer will expect proof. Photos, receipts, and a police report go a long way. Calling law enforcement right away supports your claim and shows you took the right steps.

Filing a Claim the Right Way

After the police, your next call should be your insurance company. From there, it’s all about documentation. Keep repair estimates, receipts, and any proof of ownership you have. The clearer the picture you paint, the quicker the claim tends to move.

Theft and vandalism aren’t pleasant topics, but they’re real risks for Nevada homeowners. Having the right coverage, and knowing how to use it, make all the difference when something unexpected happens. Contact Hinman & Associates Insurance serving Reno, NV, for help.