Theft is a coverage that some home insurance offered as optional, so generally, by signing the policy, must specify that it wants to hire this guarantee. A policy without this option will not cover losses incurred when stealing in the dwelling.
There are two possibilities:
• To secure only the continent, the policy coverage will be lower in cases of theft or attempted theft, as the insurer will pay, at best, only of the damage suffered by the structure of the dwelling ( ceilings, walls, floors, etc.) and not pay any compensation for goods that have been removed.
• Cover also the content, which is the furniture and goods that are indoors. If the content is also secured by the company pays 100% of assets have been stolen. When hiring this coverage has to take into account that it is not a robbery, a theft or robbery, also called spoliation. Theft is considered when measuring the strength of some good things to steal, robbery or plunder when intimidate or force people, and theft when the force is not involved. There are three concepts that may look the same and should therefore distinguish right to know the coverage’s and exclusions of the policy.
However, home insurance in case of theft also have exclusions. For example, when objects were looted or stolen on a terrace, garden, store room or open space even if they belong to housing. They also tend to exclude thefts of money or jewelry, although it is covered the theft of other property holders. Also, if by signing the policy states that provides security measures, such as alarms, and at the time of the robbery are not active, the company will refuse to bear the loss. Finally, remember that after a robbery, theft or plunder is essential to present a complaint to the police. The company requires this document to cover the incident. If no claim, the theft is uncovered.
