“Understanding Home Insurance Coverage for Burglary and Security Obligations”

Finding out that his home has been broken into is a shock. But realizing that you will not be compensated for the damage observed can be experienced as a double penalty. Take the time to carefully study the general and specific conditions of your contract: everything is noted there; your insurer does not aim to trap you! In 2021, nearly 190,300 households reported having been victims of a burglary.

Does home insurance cover burglary?

Theft and burglary insurance is not compulsory, neither for the tenant nor for the owner. It is sometimes part of the package offered by multi-risk home insurance, but not always. It can indeed be integrated into a superior formula or exist as an option to be added.

Security obligations

Some insurance contracts require security measures to be observed to prevent the risk of theft. The shielding of entrance doors with a 3-point or 5-point anchor lock may be required. In the event of non-compliance with security measures, your compensation may be reduced by 20 to 70%, or even be zero. A higher deductible may also apply.

To avoid finding yourself in a similar situation a few months after a first burglary, take matters into your own hands: opt for an armored door. A study by the National Institute for Higher Studies in Security and Justice (INHESJ) indicates: “whether for houses or apartments, households that have already been burglarized are three times more likely to be targeted by thieves than a household that has not been robbed”. The burglars have been here before and know how to do it.

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