You return home from a long weekend getaway only to notice one of your home's windows is broken. You step inside, realize someone has entered your home without your permission and see your television is missing. Of course, you want to take action.
How do you describe what happened? Is the crime a home robbery, a home burglary or a home invasion? The answer depends on the state you live in, whether anyone was home and if the intruder threatened someone in your home.
When someone takes something from another person by force or the threat of force, it is a robbery, according to the FBI. If someone is threatened with force during a home break-in or theft, it is considered a home robbery.
When someone enters your home without your permission with the goal of stealing or committing a felony, the FBI calls this a burglary. Not all burglaries involve a forced entry. In fact, some burglaries take place when someone slips in through an unlocked door.
A home invasion is a term some states use to describe home burglaries with specific circumstances. In Michigan, for example, if someone is in the house during a burglary or the burglar is carrying a dangerous weapon, it is considered a home invasion. By contrast, in Illinois, if someone enters a home knowing someone is there or misrepresents him- or herself (as a police officer for example) to get into the house and threatens or uses force, it is considered a home invasion. No federal definition for home invasion exists.
According the FBI, most burglaries happen in residential homes. If you are among the unfortunate victims of a home burglary or home invasion, here's what you can do next.
If your home has been burglarized, it's also important to take steps to help prevent another break-in.
You can do several things to help lessen the chance of being burglarized and to make your home insurance claim process easier should you ever become a victim of a home robbery again. To protect your home:
We hope you are never the victim of a home burglary, but if it happens to you, knowing the steps you should take immediately after the theft can make the situation less stressful. And, taking steps to prevent another break-in can help put your mind at ease the next time you're away from home.