If your apartment has been broken into, you’re not alone. Figuring out what to do after a break-in can be stressful and traumatizing. At Luft Insurance Agency, serving Escanaba, MI, our team is here to provide you with the renter’s insurance policy to keep your belongings safe if the unexpected occurs. 

Here, we’ll look at what you need to do if you come home to find that your apartment has been broken into. 

Stay Calm and Safe

We get it! It feels nearly impossible to stay calm when you realize your apartment has been broken into, but it’s a must. Take a breath, visually assess the situation, and immediately call 911. Whether you think the intruder is still in your apartment or not, it’s vital that you exit the apartment until the police arrive. 

Work With the Police

After the police arrive and take your report, ask if you can walk through the apartment with them to let them know what’s missing. The police will likely tell you whether this seems to be a one-off issue or if there have been a string of break-ins in the area. 

Alert Your Landlord and Renter’s Insurance Company

You’ll want to tell your landlord about your situation immediately and need to file a claim with your renter’s insurance company. Your claim will help you get back what you lost in the break-in.

Reach Out to Luft Insurance Agency, Serving Escanaba, MI, Today

At Luft Insurance Agency, we proudly provide Escanaba, MI residents with renter’s insurance. Contact us today to learn how a renter’s insurance policy can protect your belongings.

Understanding the most common claims made under homeowners policies can help you avoid claims as well as be prepared to file a claim if damage occurs. If you live in the Escanaba, MI area and would like to learn more about these claims, reach out to an agent at Luft Insurance Agency today.

The number one claim made against homeowners insurance policies is wind damage. Wind can cause trees to fall on your home causing damage to the roof and walls. In addition, it can rip the siding off your home. When you know there will be a storm or strong winds, be sure to secure items such as patio furniture around your house so that it does not get picked up and thrown onto your home by the wind.

Another common claim made against homeowners insurance policies is water damage. Water damage can be caused by an exploding pipe in the winter or an overflowing toilet. Water damage can also include weather-related damage caused by rain.

Damage from hail is also a leading claim made under homeowners policies. Hail claims can often be larger claims as hail can cause a lot of damage to roofs and severely damaged siding. Large hail can even break windows so try to stay away from the windows during a hail storm.

Theft is also a common claim made under home insurance policies. Theft coverage will cover both the personal property loss as a result of the break-in in addition to any damage the thieves may have caused to your home. If you have luxury items such as jewelry or fine art in your home, reach out to your insurance agent to make sure you have the appropriate coverage.

If you live in the Escanaba, MI  area and would like to learn more about home insurance, please reach out to an agent at Luft Insurance Agency today.