How Renters Insurance Works When Robbed? 
Talk to your Insurance Professional about the particular terms and conditions of your policy . If you have suffered such a loss , I am very sorry that you have to go through this . Try to complete an inventory of the items that have been stolen and be sure to also try to photograph any damage that may have resulted from the break in - broken windows , forced windows or doors or the like . CALL THE POLICE and report the incident . I am assuming that you came in after the fact , but if you ever find yourself in a situation where it looks as if the burglary might still be happening , DO NOT go in . Report your loss to your Insurance Professional and they will open your loss report with your company . A claim representative will contact you and ask for your inventory and police report . Theft is normally a covered peril in a renters policy so the claim once investigated would be settled based upon the items lost and or damaged and the amount of your policy deductible . 