Holiday Season = Break-In Season? What Arizona Homeowners Need to Know

The holidays are a time for celebration, travel, and family gatherings, but they’re also one of the busiest seasons for home burglaries.

​In Arizona, theft claims increase significantly between November and January. Criminals know homes are often left unattended for travel, filled with new gifts, or simply distracted by festivities.

What’s Covered by Homeowners Insurance?
• Stolen Belongings: Electronics, jewelry, and valuables are typically covered under personal property insurance.
• Damage to Your Home: Broken doors or windows from forced entry are also covered.
• Off-Premises Coverage: Many policies even cover items stolen outside your home, such as from your car while holiday shopping.

Common Gaps to Watch For
• High-Value Items: Jewelry, collectibles, or expensive electronics may need separate riders to be fully covered.
• Deductibles: A high deductible might make smaller theft claims not worth filing.
• Home Business Property: Items tied to a business (like equipment) may not be included under personal property limits.

Prevention Tips That Help Insurance Too
• Install smart security cameras or alarm systems.
• Use smart plugs to keep lights on while traveling.
• Keep an updated home inventory with photos for easier claims.

Bottom Line:
Holiday joy shouldn’t come with worry. With the right insurance (and a few prevention steps), Arizona homeowners can keep both gifts and peace of mind safe this season.