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Some items covered for theft losses are subject to dollar limits. Install a theft alarm system and smoke detector. Recovering from identity theft can be a very costly, time-consuming, and stressful experience. S.O.S. Does homeowners insurance cover theft? Home insurance providers use variables like square footage, structure type and your postal code to calculate your quote. Fire, explosion, theft, and vandalism; Damage from falling objects, such as a tree branch; Lightning, hail, and windstorm damage Make sure you talk to your insurance representative to help you find the home insurance coverage thats right for you. But taking care of the little details - thats a superpower too. Start your quote today. If you need coverage for your home, learn more about AAA home insurance, or get a quote for AAA renters insurance or AAA condo insurance. We think its best to play it safe and buy more coverage. Buy the best home insurance plans by HDFC ERGO today! Looking at the big picture is important.