Homeowners insurance can help cover theft and break-ins through dwelling coverage, personal property cover, and other structures coverage. Dwellings coverage can help pay for damages because there is a peril involved. Intruders that break in through a window or door will be covered by the insurance because the burglar poses a life threat. Personal property coverage can also help to cover and repair any damaged or stolen belongings. Items taken from your home can be replaced by personal property coverage. Other structures coverage can help to pay for the repair of structures destroyed or detached from your property. This can apply to garage break-ins and damaged sheds.