Does My Home Insurance Cover Theft? 
Generally speaking theft is a covered peril in the more common homeowners policies . There are situations where the company will deny coverage . If you rob yourself it wont be covered . If the residence is under construction or remodeling , the building materials and supplies are not covered . It doesnt cover the theft of a stone from its setting . It doesnt cover theft by credit card . There are other limitations but the most important thing is to recognize that there are restrictions in recovery for jewelry , guns , collections and other items that are detailed in the policy . In addition recovery is reduced by the deductible . 