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Have you ever wondered, “If something in my home gets stolen, will insurance actually cover it?”
The answer is yes! but it depends on the type of property insurance you have and its specific terms and conditions.

What Is Property Insurance?

Property insurance is designed to protect your valuable assets from unexpected losses or damages caused by incidents such as:

  • Fire
  • Lightning
  • Floods or storms
  • And in some cases, theft or burglary

Certain insurance policies already include burglary protection, while others may allow you to add it as an optional coverage.

When Does Insurance Cover Theft?

For your insurance to compensate for stolen property, several key conditions usually need to be met:

  1. There must be evidence of forced entry.
    This includes signs of breaking and entering — such as damaged locks, doors, windows, or CCTV footage showing a burglary.
  2. You must file a police report within 24 hours.
    The report serves as essential proof when submitting a claim to your insurer.
  3. The stolen items must be covered by your policy.
    Typically, household items like furniture, appliances, or other personal belongings inside your property are eligible.

When Theft Is Not Covered

Your insurer may reject a claim if:

  • There is no evidence of forced entry (for example, the item simply went missing).
  • The theft was committed by someone inside the household, such as a family member or employee.
  • The stolen item was kept outside the building, like a bicycle left in the yard.
  • You fail to report the incident or provide sufficient proof.

Tip: Always Check Your Policy Details

Before purchasing property insurance, make sure to confirm with your insurer or broker whether burglary coverage is included.
Also check the maximum coverage amount per incident, so you know how much compensation you’re eligible for in case of theft.

In Summary

Yes! insurance can compensate for stolen property,
but only if your policy includes burglary coverage and the theft meets the required conditions.

If you’re unsure whether your current policy covers theft,
talk to PCK Insurance Broker today. Our experts can help you review your policy and recommend the right coverage to protect your valuable assets.

📲 For more details: www.pckbroker.com/insurance/health-insurance/
📞 02 9316040-2 (Official)
☎️ 081-497-2130 | 081-846-6299 | 061-146-5199

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