In today’s unpredictable world, protecting your home and personal property is more important than ever—especially here in California.
Unfortunately, we’ve seen a sharp rise in theft across the state, with reports indicating that burglary and property crime rates are the highest they've been in decades. From bold daytime break-ins to sophisticated smash-and-grab operations, theft isn’t just something you hear about on the news—it’s becoming a reality in neighborhoods everywhere.
At Rincon Insurance Agency, we’re here to help you stay ahead of the risk and ensure you’re fully protected when it matters most.
One of the most common mistakes we see homeowners make is underestimating the value of their personal property—and not updating their policy accordingly.
Here’s what you need to know:
If you’ve made big purchases in recent years—electronics, furniture, jewelry, home gym equipment—it may be time to reassess your coverage limits. Many base homeowner policies only cover a set amount, and that might not be enough to replace everything in the event of a major loss.
This is crucial. Without replacement cost value (RCV), your insurer may only pay depreciated value, not what it costs to buy the item new today. That’s a huge gap in protection—and one you don’t want to discover after the fact.
Think valuables like jewelry, firearms, collectibles, or high-end electronics. These may have sub-limits unless specifically endorsed in your policy. If you haven’t scheduled these items, you could be left with less coverage than you think.
Outdated Security Systems: Many insurers offer discounts for modern security features like monitored alarms and smart home tech. Upgrading can save you money and reduce your risk.
Detached Structures: Theft from sheds, garages, and guesthouses might not be fully covered. Be sure to check if your policy extends coverage to these areas.
Policy Deductibles: A high deductible can make it harder to file a claim for theft losses. Consider whether your current deductible is manageable in today’s economy.
Conduct a home inventory: Document your belongings with photos and serial numbers.
Install or upgrade security: Alarm systems, surveillance cameras, and motion-sensor lights are all excellent deterrents.
Secure entry points: Reinforce locks, windows, and sliding doors—especially in vulnerable areas.
Review your policy annually: Life changes. So should your insurance.
We know the challenges California homeowners face, and we believe insurance shouldn’t be a guessing game. Our team will walk you through your policy, identify any gaps, and help you adjust your limits and endorsements to make sure you’re fully protected—especially against theft.
Whether you live in a high-risk area or simply want peace of mind, we’ve got the experience and the options to safeguard what matters most.
Disclaimer: This blog post is intended for informational purposes only and does not constitute legal, financial, or insurance advice. Coverage needs and requirements can vary based on individual circumstances, event details, and state regulations. For tailored recommendations and policy guidance, please consult with a licensed insurance professional. Rincon Insurance Agency provides services specifically within the state of California.
