Coming home to find your house has been broken into is devastating. Unfortunately, break-ins remain a concern across Ontario. In recent years, cities like Toronto and Ottawa have reported increases in residential break-ins and home invasions, many occurring during daylight hours when residents are at work or school. Even if you spend more time at home, theft and property crime can still happen. At isure, we understand how violating and overwhelming a break-in can feel. Below, we outline the key steps to take immediately after a burglary, how home insurance responds, and how to protect your home moving forward.
My House Was Broken Into — What Should I Do First?
Realizing your house has been broken into can be stressful. Though it may seem difficult to keep your composure, your first step should always be to take a deep breath and make sure everybody is safe! You may have temptation to tear the house apart looking for things that may be stolen, but keeping your composure is crucial in a situation like this. Do not enter if you suspect someone may still be inside. Remember that with the help of good home insurance, most of your items can be reimbursed. However, there is a correct way of proceeding when your house gets broken into.
Once you’re safe, follow these three critical steps.
Main Steps to Take After a Home Break-In
1. Call the Police Immediately
This should always be your first step after a home break-in.
In Ontario, police services such as Toronto Police Service or Ottawa Police Service will attend the scene and document evidence. Always make sure that when your house gets broken into, you leave everything how it is until the police arrive. By tidying up, you may be playing with evidence that can help the police find out who broke in. From there, you will most likely be asked to file a police report. When filing a report, it is important to be as thorough as possible with the information you give. The more information you provide, the better chance the police have at finding a suspect and getting a better idea as to what occurred.
Important: When filing a police report, be as detailed and accurate as possible — this report will also be required for your insurance claim.
2. Document Damage and Stolen Items
Taking inventory of what has been stolen or damaged after a home invasion is crucial in making sure you get the money you deserve from your insurer. On top of this, write down the cost of the items that are damaged or stolen. Typically, we suggest always keeping an up-to-date inventory list of the insurable items in your home. That way, you always ensure you have adequate coverage in the event of lost or stolen items. If you are unsure, your insurance provider can assist you.
Once given the go ahead from the police:
- Take clear photos and videos of all damage.
- Photograph forced entry points (doors, windows, locks).
- Make a detailed list of stolen or damaged items.
- Include estimated values and receipts (if available).
Pro Tip: Store digital copies of receipts and photos in cloud storage so they aren’t lost if devices are stolen.
3. Contact Your Insurance Provider or Broker
Once you’ve reported the incident to police, contact your insurance company or isure broker to begin your claim.
Be prepared to provide:
- Your police report number
- Photos/videos of damage
- A list of stolen items
- Proof of ownership (receipts, appraisals, credit card statements)
Your insurer will explain:
- Your deductible
- What’s covered under your policy
- Replacement cost vs. actual cash value
- Next steps for repairs or reimbursement
The sooner you begin the process, the smoother your claim will be.
Does Home Insurance Cover Break-Ins in Ontario?
Most standard Ontario home insurance policies include coverage for:
Typically covered items include:
- Electronics
- Furniture
- Clothing
- Appliances
- Personal belongings
However, coverage limits apply. Always review the “Property Damage and Theft” section of your policy to understand specific limits and exclusions.
What About High-Value Items?
Standard policies often have limits on items such as:
If you own high-value items, you may need:
- A scheduled endorsement (also called a rider)
- Separate personal articles coverage
- Professional appraisal documentation
While adding coverage may slightly increase your premium, it ensures full protection and peace of mind.
How to Prevent a Future Break-In
While no home is 100% burglary-proof, you can significantly reduce your risk.
Practical Prevention Tips
- Install a monitored security system
- Use motion-sensor exterior lighting
- Install a video doorbell
- Reinforce doors with quality deadbolts
- Keep shrubs trimmed around windows
- Avoid posting vacation plans publicly on social media
- Ask neighbours to collect mail while you’re away
Bonus: Many insurers offer home insurance discounts for centrally monitored alarm systems and other security upgrades. For more tips, check out our article: 15 ways to protect your home from theft.
Why Having the Right Coverage Matters
A break-in affects more than just your belongings — it impacts your sense of safety. Having the right insurance coverage means:
- Faster financial recovery
- Support during the claims process
- Less stress during an already difficult time
If you’re unsure whether your current policy provides adequate protection, now is a good time to review it.
Whether you’re shopping for a new home insurance policy in Ontario or looking to increase your coverage limits, isure can help you explore your options and request a competitive quote today.
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