Yes — the personal property portion of condo (HO-6) insurance covers theft of your belongings, both from your unit and while you’re away from home, up to your limits and minus your deductible.
Usually Covered
By the Home & Dime Editorial Team · Updated 2026
Covered
- Burglary of your unit.
- Items stolen while traveling (off-premises).
Sub-limits
Jewelry, electronics, and cash have caps — schedule valuables for full coverage.
Common exclusions
- Value above sub-limits without a rider
- Theft by a resident of your unit
- Building common-area theft (master policy)
Tips
- File a police report.
- Inventory and photograph valuables.
- Schedule high-value items.
Frequently asked questions
Is theft away from home covered?
Yes — off-premises coverage applies.
Are valuables fully covered?
Only up to sub-limits unless scheduled.
Related guides
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Condo Insurance guide
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