Home Back door unlocked

colm said:

I agree there is a good chance the insurance covers it.
There is an equally good chance you insurance may not cover it.
eg if the insurance company are giving you a discount based on using certain locks or an alarm etc. If you home is not protected in that manner they can (I have much experience of this) refuse a claim

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Ed054 said:

If the policy covers larceny(as most do) and the property is occupied at the time of loss any discounts in respect of any alarm (i am not aware of any insurer providing discounts for locks) will have no bearing on a claim.

I am unaware of any circumstances where an insurer can turn down a claim in those curcumstances.

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