Burglary Insurance: What’s Covered & What’s Excluded
🔐 What Is Burglary Insurance?
Burglary insurance protects your property against loss or damage caused by burglary or attempted burglary — including theft of valuables, forced entry damage, and vandalism linked to burglary.
✅ What’s Typically Covered?
| Covered Risks | Details |
|---|---|
| Theft of Property | Loss of valuables like cash, jewelry, electronics, furniture. |
| Forced Entry or Exit Damage | Damage to locks, windows, doors during burglary attempts. |
| Vandalism Related to Burglary | Damage caused during a break-in (e.g., broken windows, furniture). |
| Loss from Safe or Strongroom Breakage | Theft or damage if valuables stored securely are stolen. |
| Robbery (depending on policy) | Theft involving violence or threat, sometimes covered separately. |
❌ What’s Commonly Excluded?
| Excluded Risks | Why Excluded / Notes |
|---|---|
| Theft without Forced Entry | E.g., keys stolen or lost, house left unlocked (usually excluded) |
| Wear and Tear / Mechanical Failures | Insurance doesn’t cover natural damage or breakdowns. |
| Loss of Cash or Securities Without Proof | Many policies limit cash coverage or exclude it entirely. |
| Theft by Family Members or Employees | Excluded to prevent fraudulent claims. |
| Unreported or Delayed Police Reports | Claims rejected if police report not filed promptly. |
| Burglary during Negligence | If premises are left unlocked or security devices disabled. |
🛡️ Who Should Consider Burglary Insurance?
- Homeowners in high-crime areas
- Small business owners with valuable stock or equipment
- Renters with expensive belongings
- Property with poor physical security or located in remote areas
💡 Tips for Maximizing Your Burglary Insurance
- Install security systems like alarms, CCTV, and secure locks.
- Keep an updated inventory with photos and receipts of valuables.
- File police reports immediately after any incident.
- Check for coverage limits on cash and jewelry — add riders if necessary.
- Review exclusions carefully before buying.
📋 Documents Required for Claims
- Copy of the First Information Report (FIR) filed with the police
- Proof of ownership (bills, invoices, photos)
- Details of the incident (date, time, how it happened)
- Police investigation reports (if available)
🏁 Summary
Burglary insurance is an important add-on or standalone cover to protect against theft and damage caused by break-ins. Knowing the scope and limits helps avoid unpleasant surprises during claims.
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