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Yes, insurance companies insureds even for careless acts, providing they had no involvement the in the theft or should have anticipated it was about to occur (estranged spouse making allegations of breaking in) and taking no steps to correct. Some carriers could view that as a lack of duty to protect property but that is an extreme interpretation. Generally, burglary losses are covered regardless.

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Q: Is there homeowners coverage if a house was robbed when the doors were unlocked?
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