Does Home Insurance Cover Theft Outside The Home? 
Most Home Insurance policies cover theft of personal property up to the limits set in the policy terms , regardless of location . However , there are also certain restrictions and exclusions for this . The limits and coverage will vary depending on what State you live in , so you 'll need to check your policy documents to be sure . For example , in California , most policies are written sooff-premises theft coverage is limited to a certain percentage of the total for Personal Property coverage , usually 10 % . However , if the theft occurred during a move from one residence to another , and happened within 30 days from the time the move started , then this restriction is waived . There are usually also specific limits for various types of property , such as jewelry , fine art , firearms and etc. . These limits will typically state limits such as $ 1000 per item / $ 5000 per loss or something similar . There will also be a list of items not covered unless a specific rider is attached . And there are also typically instructions on what happens if the property is eventually recovered . 