– It is best to put valuable items in the house before a trip. Because if thieves make loot during the holiday season, the insurance cover of the household contents policy depends on the details.
If the residents are away and not at home, burglars have an easier time stealing objects without being noticed. Burglary is generally covered by household contents insurance – the policy covers the replacement value of insured items, explains the Bund der Verversicherungten eV (BdV).
However, it is worth checking your insurance cover more closely before you go on holiday. Because the insurers distinguish between burglary and simple theft.
According to the BdV, many insurers offer rates that also cover the simple theft of certain items. If this is not the case, there is no insurance cover, for example, if thieves steal objects from the terrace – because that would not be burglary.
Home contents insurance should cover both scenarios. If you have a policy or want to take out a new one, you should pay attention to such details.
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