Is burglary covered under building insurance

When is burglary damage not covered?

Burglary insurance coverage applies only if someone has entered your home unlawfully. That is, someone who does not belong there has entered by force. In addition, a report must always be made to the police after a burglary. This is relevant for insurance purposes.

In most cases, if there are no signs of forced entry, you will not be reimbursed for the burglary damage. In other words, if someone got in through a door that was open, there are no signs of forced entry. Because of this, there is no evidence of the break-in and most insurers will not pay anything. There are also insurers who cover burglary without traces of break-in. Check the policy conditions of your insurer carefully.

Preventing burglary

The best thing, of course, is to prevent a burglary. There are a number of anti-burglary tips that are good to follow. The important thing is to never mention on social media that you are on vacation. Only tell your family and neighbors that you are going on vacation. They can keep an eye on you and possibly take care of the mail and plants. Using a time switch, you can leave lights on at different times and different places in the house when it is dark. It is also helpful to make the house look lived in by putting some coffee cups on the table, for example.

It is also important that you secure your home as much as possible by using approved locks. Always close all doors and windows. Don't forget the smaller windows of the toilet, for example. Do not place valuables in the sight of passersby and make sure you do not have large amounts of money in your home.

Reconstruction Value Meter

A rebuilding value meter can help you easily calculate the rebuilding value of your building. In other words, what will it cost to rebuild my house after it has been lost due to damage. The rebuild value meter can be used to determine this.