Standard home and farm insurance policies cover damage to property from a variety of different perils. If you have damage from trespassers, reach out to your insurance representative to discuss the coverage you have and how it will respond to the damage. Here is a link with more information from Insurance Bureau of Canada on personal property theft prevention.

Most insurance providers have 24/7 claims reporting options. If you have damage from trespassers, you can start the claims process right away. An adjuster will be assigned and help guide you through the next steps. Photos or video of damage, as well as a detailed list of items missing will be helpful to move through the process. Here is some information on how to file a claim.

A standard home or farm insurance policy covers many different perils, and every insurance policy has specific terms, conditions and limits to coverage, as well as a deductible. Each policy is tailored to your specific needs, so if you have a claim, work with your insurance provider who will assist you in the process. Here is some more information on insurance basics.

Insurance is about risk. Factors that help reduce risk can be beneficial over the long term to help reduce future premiums, lower your chance of loss or damage, or aid in a claims investigation to help confirm who/what caused damage. Some insurers do provide discounts for specific risk-reduction measures, so speak to your insurance provider to understand the options available. Here is some more information on how to help drive down your insurance rates.

Yes, having a detailed inventory of all your property is helpful when you have a claim, or to share with law enforcement who can track and return property, if it is ever found. Here is some more information on managing risk, along with a handy home inventory template.

Once you settle with your insurance company on the property items stolen, you are essentially providing ownership of the property to the insurance company. If your stolen property is later found, contact your insurer to discuss options.

Every insurance claim is investigated thoroughly based on individual circumstances. An insurance policy is a legal contract with terms, conditions and limits, which responds to specific situations that are covered by your policy. Legitimate claims are routinely covered on a regular basis every day, across the country. In fact, billions of dollars are paid out every year in Canada from home, auto, farm and business insurance claims. Remember, if a person is submitting a false or fraudulent claim, this is a criminal offense, and the perpetrator could be subject to criminal prosecution.

A variety of different factors are involved in calculating your insurance premium which include where you live and crime rates in your area. Check out this link with more information on factors that determine your home insurance rate.