{"id":320855,"date":"2025-11-07T16:10:00","date_gmt":"2025-11-07T21:10:00","guid":{"rendered":"https:\/\/www.reviews.com\/?p=131863"},"modified":"2025-11-07T16:10:00","modified_gmt":"2025-11-07T21:10:00","slug":"burglary-vs-robbery","status":"publish","type":"post","link":"https:\/\/www.reviews.com\/home\/security-systems\/burglary-vs-robbery\/","title":{"rendered":"The Difference Between Burglaries and Robberies"},"content":{"rendered":"\n<p>Some people use the terms interchangeably, but there are differences between \u201cburglaries\u201d and \u201crobberies,\u201d in how the law classifies them, the risks involved, the best prevention strategies, and the insurance steps to take afterward. In federal crime-data taxonomy, burglary is a property crime and robbery is a violent crime, and most states follow similar definitions, with local variations in degrees and aggravating factors. See the FBI\u2019s offense definitions for <a href=\"https:\/\/ucr.fbi.gov\">burglary and robbery<\/a>, and note that state statutes like <a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=PEN&#038;sectionNum=459\">California\u2019s burglary<\/a> and <a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=PEN&#038;sectionNum=211\">robbery<\/a> or New York\u2019s <a href=\"https:\/\/www.nysenate.gov\/legislation\/laws\/PEN\/140.20\">burglary<\/a> and <a href=\"https:\/\/www.nysenate.gov\/legislation\/laws\/PEN\/160.00\">robbery<\/a> show typical\u2014but not identical\u2014wording across states.<\/p>\n\n\n  <style>\n    .myFinance-widget {\n    min-height: 670px;\n    }\n  <\/style>\n  <div class=\"myFinance-widget\" data-widget-id=\"7c9fe833-dde7-4eb5-b71f-d741b8cccd66\" data-campaign=\"reviews-non-monitored-security\"><\/div>\n\n<script async=\"\" type=\"text\/javascript\" id=\"myFinance-widget-script\">\n  !function () {function e() {var s = \"myFinance-widget-ad-script\";if (!document.getElementById(s)) {var e = document.createElement(\"script\"), n = document.getElementById(\"myFinance-widget-script\"), a = t + \"widget\/myFinance.js\";e.id = s, e.type = \"text\/javascript\", e.async = !0, e.src = a, n.parentNode.insertBefore(e, n);}var c = \"myFinance-widget-css\";if (!document.getElementById(c)) {var d = document.getElementsByTagName(\"head\")[0], i = document.createElement(\"link\");i.id = c, i.rel = \"stylesheet\", i.type = \"text\/css\", i.href = t + \"widget\/myFinance.css\", i.media = \"all\", d.appendChild(i)}}var t = \"https:\/\/static.myfinance.com\/\";document.attachEvent ? document.attachEvent(\"onreadystatechange\", function () {\"complete\" === document.readyState && e()}) : document.addEventListener(\"DOMContentLoaded\", e, !1)}();\n<\/script>\n\n\n<h2 class=\"wp-block-heading\">Burglary vs. Robbery: How Do They Differ?<\/h2>\n\n\n\n<p>\u201cBurglary involves a theft from a home or other building,\u201d explains Brady McAninch, partner at the&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/www.hm-attorneys.com\/\" target=\"_blank\">Hipskind &amp; McAninch<\/a>&nbsp;law firm in Belleville, IL.&nbsp; \u201cIt is the act of improperly entering a home without permission with the intent to steal or damage the home or items within it.\u201d This aligns with the FBI\u2019s definition of burglary as unlawful entry into a structure with intent to commit a felony or theft (<a href=\"https:\/\/ucr.fbi.gov\">FBI NIBRS definitions<\/a>).<\/p>\n\n\n\n<p>However, he explains that robbery is the forceful taking directly from an individual. \u201cThink your classic \u2018stick em up\u2019 in an old western movie.\u201d&nbsp;&nbsp;In federal reporting, robbery is defined as taking something of value from a person by force, threat, or intimidation and is categorized as a violent crime (<a href=\"https:\/\/ucr.fbi.gov\">FBI NIBRS definitions<\/a>).<\/p>\n\n\n\n<p>For current scope, the FBI\u2019s Crime in the Nation, 2024 provides the latest national police-reported counts and rates per 100,000 population for both <a rel=\"noreferrer noopener\" href=\"https:\/\/ucr.fbi.gov\" target=\"_blank\">burglaries<\/a>&nbsp;and&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/ucr.fbi.gov\" target=\"_blank\">robberies<\/a>, as well as the value of property stolen and recovered. The Bureau of Justice Statistics publishes the companion victimization picture in Criminal Victimization, 2024, including household burglary and personal robbery victimization rates (per 1,000), typical losses (e.g., medians), and the share reported to police (<a href=\"https:\/\/bjs.ojp.gov\/library\/publications\/criminal-victimization-2024\">BJS, 2024 NCVS<\/a>; program overview: <a href=\"https:\/\/bjs.ojp.gov\/programs\/ncvs\">NCVS<\/a>). Preliminary 2025 direction-of-change is available via the FBI\u2019s quarterly updates (<a href=\"https:\/\/www.fbi.gov\">Quarterly Uniform Crime Trends<\/a>) and large-city snapshots from the Council on Criminal Justice (<a href=\"https:\/\/counciloncj.org\/our-work\/crime-trends\/\">Crime Trends<\/a>). Always label police-reported statistics (FBI) separately from victimization rates (BJS) to avoid mixing series.<\/p>\n\n\n\n<p>Obviously, no one wants to be a victim of either. However, Jon Knight, CSO at&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/fortifiedestate.com\/\" target=\"_blank\">Fortified Estate<\/a>, a high-end residential fortification company, believes that robberies are a much more frightening prospect. \u201cIt\u2019s sad to lose valuables, but in a robbery, an injury or even the loss of life are an actual possibility.\u201d<\/p>\n\n\n\n<p>Fortunately, robbery is rare in the home context, and Knight says that many incidents stem from offenders mistakenly assuming a house is empty. That said, planning and target selection can differ for higher\u2011net\u2011worth households, where premeditated incidents are a greater concern. From a data standpoint, the FBI\u2019s 2023 national release showed property crime had risen versus 2022, reinforcing the need for layered prevention; by contrast, the 2024 full\u2011year statistics indicate burglary and robbery remained near multi\u2011decade lows nationally, with preliminary 2025 updates showing declines in many jurisdictions (<a href=\"https:\/\/www.fbi.gov\">FBI 2023 context<\/a>; <a href=\"https:\/\/ucr.fbi.gov\">FBI 2024<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Protect Yourself From a Burglary<\/h2>\n\n\n\n<p>Even though Knight works for a home fortification company, he says your home doesn\u2019t need to be a fortress to avoid being burglarized.&nbsp; \u201cFor the most part, you just need to make sure you\u2019re not the most attractive burglary opportunity on the block.\u201d Use simple target\u2011hardening: exterior lighting, trimmed landscaping, quality locks, and visible security devices. Choose locksets tested to ANSI\/BHMA standards (Grade 1 offers highest performance for residential) (<a href=\"https:\/\/www.buildershardware.com\">BHMA lock grades<\/a>).<\/p>\n\n\n\n<p>But what does that entail? \u201cBurglars naturally love being hidden, so anything that blocks visibility to entry points of your home adds risk,\u201d he explains. \u201cThis often includes foliage, home layout, or even fences \u2014 ones that block visibility, yet can be physically bypassed.\u201d If you can\u2019t remove the areas to provide coverage to burglars, he recommends using motion-activated bright lights and obvious&nbsp;<a href=\"\/home\/security-systems\/best-cameras\/\">security cameras<\/a>&nbsp;in those areas.\u201d Today\u2019s better systems also emphasize privacy and verification: look for cameras and sensors that perform on\u2011device AI person\/vehicle\/package detection, encrypt footage end\u2011to\u2011end or process locally, and support multi\u2011factor authentication in their apps (<a href=\"https:\/\/csa-iot.org\/all-solutions\/matter\/\">Matter security model<\/a>; <a href=\"https:\/\/www.cisa.gov\/secure-our-world\">CISA MFA guidance<\/a>). If you add smart sensors\/locks, prefer platforms that support Matter over Thread\/Wi\u2011Fi with device attestation and mandatory encryption (<a href=\"https:\/\/csa-iot.org\/all-solutions\/matter\/\">CSA Matter<\/a>).<\/p>\n\n\n\n<p>Also, a&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/www.ktvb.com\/article\/news\/crime\/we-asked-86-burglars-how-they-broke-into-homes\/277-344333696\" target=\"_blank\">KTVB<\/a>&nbsp;report of anecdotal evidence generated by 86 burglars reveals that they overwhelmingly agreed that if a television or radio was playing in the home, \u201cthey would immediately leave the scene rather than risk finding a homeowner,\u201d he says. Complement that kind of \u201coccupancy signal\u201d with modern false\u2011alarm reduction: many monitoring centers and municipalities encourage verified alarms that blend motion\/contact sensors with short video or audio snippets before dispatch to reduce nuisance responses and fines. On resilience, choose dual\u2011path systems (broadband + cellular backup) and hubs with battery backup, and secure your home network with updated firmware and strong Wi\u2011Fi encryption (WPA2\/WPA3) (<a href=\"https:\/\/consumer.ftc.gov\/articles\/how-secure-your-home-wi-fi-network\">FTC Wi\u2011Fi security<\/a>).<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-style-blue-quote\"><p>\u201cFor the most part, you just need to make sure you\u2019re not the most attractive burglary opportunity on the block.\u201d<\/p><cite>Jon Knight, CSO at&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/fortifiedestate.com\/\" target=\"_blank\">Fortified Estate<\/a><\/cite><\/blockquote>\n\n\n\n<p>Knight also offers advice to minimize the loss of valuables if a burglary does take place. \u201cAssuming you do have a&nbsp;<a href=\"\/home\/security-systems\/best\/\">proper alarm system installed<\/a>, the criminal knows they have just a few minutes to steal what they want.\u201d You should keep your most important items in a safe. \u201cHowever, the safe should be in a harder to find area and it should be bolted down \u2013 otherwise the burglar may just carry it off.\u201d In terms of hiding the safe, Knight says this could be as simple as putting a few heavy boxes in front and on top of it, since every second counts. \u201cLikewise, even bulky valuable items \u2014 such as artwork \u2014 could be moved to an out-of-the-way room before a long trip.\u201d For higher\u2011value items, consider UL\u2011rated safes and documenting serial numbers and appraisals for insurance purposes (<a href=\"https:\/\/content.naic.org\">NAIC theft coverage basics<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Protect Yourself From a Robbery<\/h2>\n\n\n\n<p>A busy house could help to deter a robbery. \u201cThe easiest \u2018soft\u2019 security solution is to ensure there are frequent visitors in and out of your house \u2014 but this obviously is often impractical,\u201d says Knight. So, he recommends protecting outside entry points as much as you can. \u201cTypical doors can be kicked right in, and glass broken easily,\u201d Knight explains. \u201cA door that prevents forced entry and strong glass \u2014 whether impact-resistant or ideally, ballistic glass \u2014 can be the difference between having time to call police before the intruder gains entry and it being too late.\u201d A&nbsp;<a href=\"\/home\/security-systems\/best\/\">home security system<\/a>&nbsp;can also make a difference,&nbsp;<a href=\"\/home\/security-systems\/best-monitoring\/\">especially if it\u2019s monitored<\/a>&nbsp;since the company can call the policy directly. For person\u2011crime risks like robbery, prioritize rapid communication (panic buttons, cellular backup), verified alarms to reduce delays, and strong account security (MFA) (<a href=\"https:\/\/www.cisa.gov\/secure-our-world\">CISA<\/a>).<\/p>\n\n\n\n<p>A safe room or panic room can also provide a defense against a robbery. While this may sound like an option reserved for million-dollar homes, Knight says it doesn\u2019t have to be elaborate, and can be discreetly built into a usable room, such as a bedroom. \u201cA secure door can be used and walls can be reinforced with the right material to even stop a bullet,\u201d he explains. \u201cSome of our higher-end clients will even store a few bullet resistant blankets that they can grab in an emergency and protect themselves or drape over a door or exposed window for ad hoc protection.\u201d<\/p>\n\n\n\n<p>He admits that no defense is completely impenetrable, but says you can buy time until the police arrive. And that\u2019s another area that you need to shore up. Make sure that you can quickly communicate with 911. \u201cThis can be as simple as keeping landlines in most rooms of the home or even installing simple panic buttons through the house that can be set up to alert authorities,\u201d Knight says.&nbsp; \u201cAs with burglary crimes, your best defense is always deterring and delaying the criminal until those who are expert at stopping criminals \u2013 the police \u2013 can arrive.\u201d For timeliness, note that the FBI\u2019s quarterly 2025 updates provide direction\u2011of\u2011change for robbery and burglary versus 2024, and large\u2011city trackers can show local context (<a href=\"https:\/\/www.fbi.gov\">FBI quarterly<\/a>; <a href=\"https:\/\/counciloncj.org\/our-work\/crime-trends\/\">CCJ city trends<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What to Do if You\u2019re a Victim of a Burglary or Robbery<\/h2>\n\n\n\n<p>After calling the police, you should contact your insurance agent soon after. \u201cBurglaries are going to be covered under your homeowner\u2019s insurance policy, up to the limits of the policy,\u201d says John Espenschied, owner of&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/insurancebrokers.com\/\" target=\"_blank\">Insurance Brokers Group<\/a>&nbsp;in Chesterfield, MO. \u201cMost insurance policies will specify dollar limits for certain items like jewelry, computers, or sporting goods \u2014 and you can request increased limits or schedule a particular item of higher value.\u201d Standard homeowners policies cover theft (burglary and robbery) of personal property at home and typically worldwide, subject to the deductible and special sublimits for categories like jewelry, watches, firearms, silverware, cash, and business property (<a href=\"https:\/\/www.iii.org\/article\/what-does-homeowners-insurance-cover\">Insurance Information Institute<\/a>; <a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n\n<p>Those \u201chigher value\u201d items can often be covered under what\u2019s called \u201cscheduled personal property\u201d \u2014 a policy add-on that offers greater coverage for specific items. Scheduling typically raises or removes theft sublimits and can broaden causes of loss (often including accidental loss or \u201cmysterious disappearance\u201d), sometimes with no deductible; carriers may require recent appraisals or receipts (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; example program details: <a href=\"https:\/\/www.statefarm.com\/insurance\/identity-and-asset-protection\/personal-articles-policy\">State Farm Personal Articles Policy<\/a>).<\/p>\n\n\n\n<p>Robbery would also be covered under the home policy up to the same limits, according to Espenschied.&nbsp; Confirm whether your personal property is insured for replacement cost or actual cash value (ACV); HO\u20115 policies more often include replacement cost by default, while HO\u20113 may require an endorsement (<a href=\"https:\/\/www.iii.org\/article\/types-of-homeowners-insurance\">HO policy types (III)<\/a>). Off\u2011premises coverage and property kept at another residence (e.g., dorm or vacation home) can be capped at a percentage of your personal property limit\u2014check your declarations and endorsements (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n\n<p>\u201cIf a robber \u2018requests\u2019 you remove your jewelry, it would have been a good idea to have had those items added as a&nbsp;<a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/guide-homeowners-insurance-coverage\/\">rider<\/a>&nbsp;or scheduled with an appraised value amount,\u201d he says. Espenschied adds that scheduled items are covered worldwide, so you should be sure to add any individual jewelry valued over $1,500 each. \u201cThe cost is generally less than 1% of the insured amount.\u201d<\/p>\n\n\n\n<p>Also, you should understand how any type of theft can impact your future home insurance premium renewals, Espenschied says. \u201cMake sure that you are exceeding your deductible limits before filing a claim,\u201d he advises. \u201cIf a burglar steals an amount below your deductible, you will not receive any money for the loss because you have a minimum deductible amount like $1,000 or $1,500, depending on how your policy was set up.\u201d&nbsp; Beyond the claim itself, carriers routinely adjust rates and underwriting by ZIP code to reflect local burglary\/robbery trends; in elevated\u2011crime areas, you may see tighter eligibility, higher deductibles or sublimits, and required security measures (e.g., central\u2011station alarms and safes). Verified controls can earn credits, and many insurers advertise monitored\u2011alarm discounts often in the 5%\u201320% range depending on ZIP and certification (<a href=\"https:\/\/content.naic.org\/consumer.htm\">NAIC on location-based pricing<\/a>; <a href=\"https:\/\/www.iii.org\/article\/how-to-burglar-proof-your-home\">III on discounts<\/a>).<\/p>\n\n\n\n<p>This is also a good place to mention the link between your security system and your insurance premium. \u201cI recommend taking advantage of the discount for having a monitored security system, which can save you 5% to 10% off your annual homeowner\u2019s insurance premium,\u201d Espenschied says. In 2025, many carriers still provide monitored\u2011alarm credits and may require proof of professional monitoring; keep certificates and service contracts on file (<a href=\"https:\/\/www.iii.org\/article\/how-to-burglar-proof-your-home\">III<\/a>). <\/p>\n\n\n\n<p>You should also read your fine print. \u201cMany coverages require any items worth more than $1,000 \u2014 like a wedding ring \u2014 to be disclosed to the insurance company,\u201d says McAninch. \u201cTake pictures, keep the receipt \u2014 with electronic storing of data, these things are easy to do now.\u201d And this advice isn\u2019t just for jewelry. \u201cThat Jordan sneaker collection that you take pictures of for Instagram? Make sure you have records of those shoes: Where did you buy them, for how much \u2014 keep track of this,\u201d he says. Insurers commonly require a police report for theft claims and a timely, documented proof of loss; maintaining a digital home inventory with serial numbers and photos speeds claims (<a href=\"https:\/\/content.naic.org\">NAIC: filing a claim<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Bottom Line<\/h2>\n\n\n\n<p>Burglaries and robberies can be traumatizing. While there are no guarantees that you can avoid them, taking every precaution can make you an unattractive target. If a crime does occur, be sure that you have sufficient insurance to cover your losses. It also helps to know, in advance,&nbsp;<a href=\"\/insurance\/homeowners\/filing-a-claim\/\">how to file an insurance claim<\/a>.&nbsp;&nbsp;<a href=\"\/insurance\/homeowners\/break-in-prone-areas\/\">Insurance for break-in prone areas<\/a>&nbsp;may be different, so you should research this topic as well. Finally, there are a number of online apps and services to help you&nbsp;<a href=\"\/home\/security-systems\/online-neighborhood-safety\/\">track your neighborhood<\/a>&nbsp;and receive verified alerts: real\u2011time incident feeds from <a href=\"https:\/\/citizen.com\/\">Citizen<\/a>; community and official posts via <a href=\"https:\/\/ring.com\/neighbors\">Ring Neighbors<\/a> and <a href=\"https:\/\/help.nextdoor.com\">Nextdoor Public Agency<\/a>; 911\u2011integrated fire\/EMS visibility and bystander CPR alerts with <a href=\"https:\/\/www.pulsepoint.org\/\">PulsePoint Respond<\/a>; opt\u2011in city\/county alerts through <a href=\"https:\/\/www.everbridge.com\">Everbridge\/Nixle<\/a>; official incident mapping at <a href=\"https:\/\/www.cityprotect.com\/\">CityProtect<\/a>; and, where communities adopt them, neighborhood ALPR networks like <a href=\"https:\/\/www.flocksafety.com\">Flock Safety<\/a>. For life\u2011safety emergencies, ensure Wireless Emergency Alerts are enabled on your phone (<a href=\"https:\/\/www.ready.gov\/alerts\">Ready.gov on IPAWS\/WEA<\/a>), and consult official sources for confirmations.<\/p>\n\n\n  <style>\n    .myFinance-widget {\n    min-height: 670px;\n    }\n  <\/style>\n  <div class=\"myFinance-widget\" data-widget-id=\"7c9fe833-dde7-4eb5-b71f-d741b8cccd66\" data-campaign=\"reviews-non-monitored-security\"><\/div>\n\n<script async=\"\" type=\"text\/javascript\" id=\"myFinance-widget-script\">\n  !function () {function e() {var s = \"myFinance-widget-ad-script\";if (!document.getElementById(s)) {var e = document.createElement(\"script\"), n = document.getElementById(\"myFinance-widget-script\"), a = t + \"widget\/myFinance.js\";e.id = s, e.type = \"text\/javascript\", e.async = !0, e.src = a, n.parentNode.insertBefore(e, n);}var c = \"myFinance-widget-css\";if (!document.getElementById(c)) {var d = document.getElementsByTagName(\"head\")[0], i = document.createElement(\"link\");i.id = c, i.rel = \"stylesheet\", i.type = \"text\/css\", i.href = t + \"widget\/myFinance.css\", i.media = \"all\", d.appendChild(i)}}var t = \"https:\/\/static.myfinance.com\/\";document.attachEvent ? document.attachEvent(\"onreadystatechange\", function () {\"complete\" === document.readyState && e()}) : document.addEventListener(\"DOMContentLoaded\", e, !1)}();\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Some people use the terms interchangeably, but there are differences between \u201cburglaries\u201d and \u201crobberies,\u201d in how the law classifies them, the risks involved, the best prevention strategies, and the insurance steps to take afterward. In federal crime-data taxonomy, burglary is a property crime and robbery is a violent crime, and most states follow similar definitions, [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":131947,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1286],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Difference Between Burglaries and Robberies - Reviews.com<\/title>\n<meta name=\"description\" content=\"Understanding the difference The Difference Between Burglaries and Robberies\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/home\/security-systems\/burglary-vs-robbery\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Difference Between Burglaries and Robberies - 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