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That just isn't true. In fact, your homeowners insurance will cover your belongings even if they're in your unlocked car when they're stolen.

Most home burglaries involve breaking a window or kicking in a door, which is why people say "locks just keep an honest man honest".



Must depends on jurisdictions then.


It depends on your policy.

I can't remember what it's called but my insurance polcy has a clause that I have to do what a "reasonable" person would do to secure my belongings.


Reasonable people don't have their doors locked all the time. Maybe they should, but mistakes and oversights happen

Edit: After some additional research, people on message boards pointed out that many home invasions are done with lock-pick kits, or the burglar breaks a window and unlocks the door. Homes are often broken into without any damage to the lock or door, so the insurance company would never even know if you locked the door or not. It just doesn't come up in the investigation.


Pretty sure people have had insurance claims refused in the UK because there was no visible sign of forced entry.


They will ask you if your door was locked. Sure, you could lie, but that's also insurance fraud.

I also never leave my house unlocked, even when I'm inside.




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