Yes. Most standard Pennsylvania homeowners policies include coverage for theft and malicious mischief under both dwelling and personal‑property coverage. Damage to your home — such as broken windows, graffiti or destroyed doors — and stolen or damaged personal belongings are generally covered when caused by someone outside your household. Always confirm the scope of coverage and deductibles in your specific policy.

There are. Everyday items like furniture and electronics are typically insured up to the full personal‑property limit (often 50–70 % of your dwelling coverage). High‑value items — such as jewelry, fur coats, silverware, art, rare coins or cash — have much lower sub‑limits and may only be insured for a few hundred or a couple of thousand dollars. To protect expensive items, consider adding a scheduled personal‑property endorsement (also called a floater) that lists each item and insures it for its full value.

Coverage is usually dependent on occupancy. If your home is vacant (empty of people and furnishings) for more than 30–60 consecutive days, most policies reduce or eliminate coverage for vandalism, theft and glass breakage. Should you need to leave a property vacant for an extended period, talk with your agent about a vacancy endorsement, a specialized vacant‑home policy or builders‑risk coverage to maintain protection.

Safety comes first; do not enter if the scene could be dangerous. Contact the police right away to report the incident and obtain a police report — insurers typically require this. Document all damage and missing items with photos and videos, and make a detailed inventory of losses. Take temporary steps to secure the property (e.g., board up a broken window), but do not make permanent repairs until an adjuster has inspected the damage. Notify your insurance company or a public adjuster as soon as possible, and have receipts, serial numbers and repair estimates ready.

Yes. Pennsylvania insurance carriers generally require a police report for theft and vandalism claims. The report should list the damage, stolen items and any supporting evidence (such as security footage or witness statements). Delaying or failing to file a report can slow the claim process or jeopardize coverage.