March 1, 2021



a large lawn in front of a house 

Unlike burglary or robbery, a home invasion involves a criminal entering your residence when you are home—typically on the weekend or at night. Home invasions are more common than ever and far more dangerous. These intruders aren’t stopped by alarm systems, door locks or barred windows. They will do whatever they can to enter your home and take full control. 

Wealthy neighborhoods with expensive homes tend to see the most occurrences. Criminals often choose their victims based on the cars in the driveway, the jewelry worn or the way the house looks. Often, home invaders monitor the homeowner for a while to determine the wealth involved. 

During a normal 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. Then they begin to search the home for valuables. They may also force the homeowner to locate valuables or open safes. 

Home Invasion Insurance 

The standard homeowners insurance policy doesn’t offer protection for a home invasion. These policies only provide coverage for loss or damage to your property. You need home invasion insurance, which provides protection for people-related risks, such as abductions and injuries. In addition, 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 in your home before seeing who is at the door. Turn on your porch light at night so you can easily see who is at your home when it’s dark outside. 

  • Do not open your door to strangers or solicitors. If someone acts suspiciously, call the police immediately. 

  • 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 hidden in your master bedroom. Usually, victims are confined in the bedroom during an invasion. 

  • Make sure your entire family knows your home security plans. If everyone understands how to resist a home invasion, you all can be more prepared if one occurs. 

Top Ways to Save on Your Premium 

  • Consider raising your deductible. 

  • Invest in a home security system.  

  • Update exterior locks to dead bolts.  

  • Install smoke alarms.  

  • Select an automatic payment method.  

  • Monitor your credit rating.  

  • Look into multi-policy discounts. 


Are You Vulnerable? 

Most homeowners don’t think they’re potentially vulnerable to a home invasion. However, by not taking the necessary precautions to protect against these violent crimes, they can make themselves easy targets. 

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. Then, they will use extreme force and even violence to get 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.  

Tags: Homeowners Insurance

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