Diff - burglar events - inZOI Wiki

11 Overview

33 Burglar events are random occurrences where an NPC breaks into a Zoi's home to steal belongings. The system was introduced in the v0.4.0 update (October 2025) as part of expanded gameplay events. Burglaries add unpredictability to home life and connect to the insurance, crime, and security systems. While being burglarized is stressful for your household, preparation through security equipment and insurance coverage can minimize the damage.

55 How Break-Ins Work

77 Burglaries occur randomly, typically during nighttime hours when Zois are asleep or away from home. An NPC burglar enters the property and attempts to steal items. The player receives a notification when a break-in is detected, either from a Zoi waking up, returning home, or through an alarm system.

1010 The burglar targets valuable items and cash. Players have reported burglars stealing Meow directly (up to 2,000 Meow in a single break-in), along with expensive furniture, electronics, phones, and jewelry. The burglar focuses on high-value objects that are easily accessible, so items left in open areas of the home are more vulnerable than those placed in secured rooms.

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1212 What Gets Stolen

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1414 TargetDetailsCash (Meow)Direct theft from household funds; reported amounts up to 2,000 MeowElectronicsComputers, TVs, gaming equipment, phonesJewelryJewels and accessoriesExpensive furnitureHigh-value decorative or functional items

1515 Stolen items are permanently removed from the home inventory unless recovered by police or compensated through insurance.

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1717 Zoi Reactions

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1919 If a Zoi is home when the burglary occurs, their reaction depends on their personality traits:

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2121 PersonalityReactionBrave / ConfidentMay confront the burglar and attempt to chase them awayTimid / AnxiousHides and calls for helpOblivious household membersOther Zois in the household who are not directly targeted may not react at all

2222 Only the Zoi directly targeted by the burglar has an active reaction. Other household members may remain unaware of the break-in even if the burglar is nearby. This has been a point of community feedback, with players noting that household members can be completely oblivious to a burglar tiptoeing through the house right beside them.

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2424 Prevention

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2626 Several measures can reduce the chance or impact of burglaries:

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2828 Security Equipment

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3030 Security items can be purchased and placed on your property through Build Mode:

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3232 EquipmentFunctionSecurity camerasSurveillance cameras installed on the property deter burglars and may help police identify the thief after a break-inAlarm systemTriggers an alert when an intruder is detected, waking sleeping Zois and notifying the householdSafeSecures valuables inside a locked container, making them harder for burglars to steal

3333 Behavioral Prevention

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3535 StrategyDescriptionBeing homeBurglaries are less likely to occur when Zois are present and awake in the house. The burglar AI avoids occupied homes when possible.Neighbor relationshipsZois with strong relationships with neighbors may receive warnings about suspicious activity in the area.Securing valuablesUse safes for jewelry and cash. Keep expensive items in interior rooms rather than near entry points.Exterior lightingWell-lit exteriors may discourage break-in attempts.

3636 Insurance Protection

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3838 The insurance system in inZOI lets Zois protect their property against losses. Insurance policies are purchased through the Insurance app on your Zoi's Smartphone or computer. There are three types of insurance available:

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4040 Insurance TypeCoverageNotesProperty InsuranceCovers damages and losses to home and belongings (broken appliances, fire damage, theft)Covers per-claim amount; premiums varyNatural Disaster InsuranceCovers damage from heatwaves, heavy rain, and dust stormsPays 1,500 Meow per qualifying eventDeath InsurancePays household 10,000 Meow when a Zoi diesCosts 100 Meow every 3 days

4141 Property Insurance is the most relevant policy for burglary protection. It covers the value of stolen or damaged items up to the claim amount specified by your policy. Investing in Property Insurance before a break-in ensures that losses can be partially or fully reimbursed. All policies apply to the entire household, not individual Zois.

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4343 Police Response

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4545 If the burglar is detected (through alarms, a Zoi witnessing the crime, or security cameras), police may respond to the scene. If the burglar is caught by police, stolen items may be recovered and returned to your household. However, the police response is not guaranteed, and the burglar may escape before officers arrive.

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4747 The crime system also works from the burglar's perspective. NPCs with criminal traits and high Crime Skill are more likely to attempt burglaries, and their success rate increases as their skills improve. The Wanted Status system means burglars who are identified face consequences for up to one day after the crime.

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4949 Consequences

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5151 Being burglarized has several lasting effects on the household:

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5353 ConsequenceDetailsLost itemsStolen items are permanently removed from the home inventory unless recovered by police or reimbursed by insurance.Emotional impactAffected Zois experience negative emotions including Worried, Annoyed, and Uncomfortable. These mood effects can last for several in-game hours.Security urgesThe event may trigger urges in your Zoi, such as a desire to install better locks, purchase security equipment, or buy insurance.Financial lossWithout insurance, the full cost of stolen items comes out of the household budget. Expensive electronics and jewelry can represent significant financial setbacks.Relationship effectsThe stress of a burglary can strain household relationships if multiple Zois are affected by the negative emotions.

5454 Tips

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5656 Buy Property Insurance early. The premium cost is small compared to the potential loss from a break-in.Install at least one security camera and an alarm system. These deter burglars and improve the chance of police catching the thief.Use a safe for high-value items like jewelry and cash reserves.Make sure your Zoi is home during nighttime hours when burglaries are most common. If both household members work night shifts, consider changing one Zoi's schedule.After a burglary, check your Zois' emotional states and address negative moods promptly to prevent cascading effects on other needs.