Home invasions involve a criminal entering your residence when you are home—typically on the weekend or at night. Far more dangerous than a typical burglary, these intruders aren’t stopped by alarm systems, door locks or barred windows. They will do whatever they can to enter a home and take full control. 
Wealthy neighborhoods with expensive homes tend to see these crimes the most. Criminals often choose their victims based on the cars in the driveway, the jewelry worn or the way the house looks. Home invaders often surveil the homeowner for a while to determine the wealth involved.
During a typical home invasion, criminals may impersonate delivery drivers or maintenance workers to gain access into the home. After taking control, the criminal may tie up or immobilize the homeowner in some way and then begin to search for valuables. They may also force the homeowner to locate valuables or open safes.
Home Invasion Insurance
A standard homeowners insurance policy does not offer home invasion protection. This policy only provides coverage for loss or damage to property. You need home invasion insurance, which provides protection for people-related risks, such as abductions and injuries. Also, a typical health insurance policy only provides limited mental health coverage, which usually is necessary after experiencing a traumatic home invasion.
Home invasion insurance provides a financial safety net for accidental death, dismemberment and bodily injury during a home invasion. It can be added to your standard homeowners and health insurance policies to ensure full protection against losses.
Additional Protections
Add these protections to help ensure you are prepared and protected in case of a home invasion:
- Install solid core doors with strong locks and security devices on your windows. Secure your locks even further with heavy-duty strike plates with at least four 3-inch screws.
- Keep doors and windows locked at all times.
- Install a peephole and don’t let anyone into your home before seeing who is at the door. Use your porch light at night to easily see who is at your door when it is dark outside.
- Do not open your door to strangers or solicitors. Call the police immediately if someone acts suspiciously.
- Keep your window shades closed at night. If someone can’t see into your home, they may not feel comfortable trying to get in.
- If you are home alone, make it appear as though you are not. Turn on extra lights and televisions in various rooms throughout your house.
- Get a dog. A dog might alert you to potential invaders and even scare them away.
- Keep any firearms securely hidden in your master bedroom. Often, in home invasions, victims are confined to the bedroom.
- Make sure your entire family knows your home security plans so everyone is prepared.
Top Ways to Save on Your Premium
- Consider raising your deductible.
- Invest in a home security system.
- Update exterior locks to dead bolts.
- Select an automatic payment method.
- Monitor your credit rating.
- Look into multi-policy discounts.
Are You Vulnerable?
Most homeowners think invasions happen to others. But by not taking the necessary precautions to protect against these violent crimes, they can make themselves the target.
The most common point of attack is the front door and garage area. Home invaders may even kick down the front door to get into the home and gain full control.
Disclaimer: This brochure is provided for informational purposes only. The information provided herein is not intended to be exhaustive, nor should it be construed as advice regarding coverage. Eligibility for coverage is not guaranteed and all coverages are limited to the terms and conditions contained in the applicable policy.