Homeowners insurance typically covers damage resulting from vandalism and/or theft. These include repairing or rebuilding your home, or replacing your possessions if they were damaged by the event. If an intruder breaks a window or door to gain access to your home, insurance will likely cover the damage. Items stolen from outside of the home can be protected under the optional extension ‘All Risks Cover’. This protects you against loss, theft of, or accidental damage to portable personal items. These could include jewelry, clothing, photographic or sports equipment to name but a few. But you should know that most policies have limits on how much they’ll pay out for specific types of personal property. You may be able to purchase additional coverage for those items.