What is Home Burglary Insurance?

Home burglary is a quite common crime in India. And contrary to popular belief, a large number of the burglaries take place in broad daylight. This is one of the reasons why people don’t plan long holidays and vacations. An apartment in a gated society is relatively safer than individual homes, but that doesn’t make them invulnerable to burglaries and housebreaks.

Travelling and the risk of burglary

The risk of burglary and housebreaking is a major threat that residents face while going on a trip. Travelling is about fun, memories and experiences. A robbed house is the last thing that one would want to come back to. A burglary or a housebreak can render substantial financial losses and damage to your premises.

The inclusion of home burglary cover in travel insurance plans has made it possible for the people to make those long-pending trips without worrying about the safety of their property.

Coverage under travel burglary insurance

However, burglary should not be confused with theft. One can claim coverage for burglary if there is a forceful intrusion in the premises or there has been the use of threat and violence to enter and rob the house. In case of theft, there is no forceful or violent entry.

While you are on your trip, if there is a burglary or a housebreak, this cover will compensate for damages caused to the insured house premise. Coverage for the damage or loss of household items insured and listed in the policy document is also given. However, it should be noted that the compensation amount is subject to the limit of the sum insured.

By availing travel insurance that offers burglary coverage, you can shield your house from the major loss that can befall due to a burglary attack.

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