Discovering a theft or burglary at your home is a stressful situation. We understand how you feel, and are here to help.
While each claim may be different, our property insurance claims process is designed to help settle your claim quickly and get your life back to normal.
If you discover a burglary or theft
First, make sure your home is safe to enter. If you suspect someone is inside, call 9-1-1 immediately. Otherwise:
- If you haven’t already done so, call the police and file a police report.
- Make a list of any stolen or damaged property.
- Take photos or videos of structural or personal property damages.
- Call our On Your Side® Claims Service at 1-800-421-3535 to file your claim.
- Make any emergency repairs that will help protect your home from further damage, such as replacing broken windows or damaged door locks and be sure to save all receipts.
Filing a theft or burglary claim
Theft and burglary losses and related damage(s) are usually covered by your homeowners or renters insurance.
A Nationwide claims representative can review your policy with you and help guide you through the claims process.
Providing a list of the stolen or damaged items can expedite the claims process. The inventory should include:
- Where and when the item was purchased
- The cost of the item
- The brand and model of the item
- A copy of the original purchase receipt, if available
- If possible, photos or videos of the stolen or damaged items
If you have damaged property in your home, don’t dispose of it. A claims representative may need to inspect the damages to resolve your claim.
Be sure to include a copy of the police report with your claim. Also, save any receipts for repairs you make to prevent further damage to your home for possible reimbursement.
Investigating your claim
We will conduct an investigation to verify your claim and coverage(s) available under your policy. This may include a request for any additional documents that may be helpful, including a copy of the police report.
Your claim may be handled over the phone or a claims representative may visit your home to assess your damages.
Settling and closing your claim
Once the investigation has been completed and your damages have been estimated and reviewed with you, and your claim verified, we will issue payment under the terms of your policy, minus any deductible amount you’re responsible for and any applicable depreciation.
You can choose how you receive this payment: direct deposit to your bank account, on a Visa® debit card or a check.
Prepare for the unexpected
Talk with your Nationwide agent to make sure you have adequate homeowners insurance protection, including optional policies that may repair or replace your belongings at their full value if they’re stolen or damaged.
Further protect yourself with these tips that can make it easier if you ever have to file an insurance claim for stolen items:
- Save receipts and document your purchases.
- Make a written or video inventory of your belongings, especially such high-value items as:
- Jewelry, art and other collectibles
- Laptops, computers, TVs, gaming systems and other electronics
- Rarely-used items, such as holiday décor and seasonal sporting equipment
- Keep your inventory and documents of your belongings in a safe, online repository or fire-proof box.