Burglary & House Breaking Insurance
Burglary and House Breaking Insurance provides financial protection against losses arising from burglary, violent break-ins, and damage caused during unauthorized entry into insured premises. The policy is designed for households and small businesses seeking affordable protection for valuable property and contents.
Coverage Highlights
Protection Against Burglary
Covers losses resulting from forcible and violent entry into insured premises.
House Breaking Coverage
Protection against theft involving unauthorized entry or exit accompanied by physical force.
Damage to Property
Covers physical damage to doors, windows, locks, and other insured property caused during a break-in.
Affordable Protection
Suitable for households and small businesses with a maximum sum insured of up to Rs. 50 Lakh.
Why Choose This Coverage?
Helps reduce the financial impact of burglary-related losses.
Protects business assets, inventory, equipment, and household contents.
Provides peace of mind for homeowners, shopkeepers, and small enterprises.
Affordable protection tailored to micro-insurance customers.
Major Exclusions
The following situations are generally not covered under the policy:
Ordinary Theft or Larceny – Theft without visible force, violence, or signs of unlawful entry.
Inside Jobs or Collusion – Losses involving family members, employees, domestic staff, tenants, or persons acting in collusion with them.
Unoccupied Premises – Losses occurring while the insured premises remain vacant for an extended period.
Undeclared Valuables – Cash, gold, jewelry, securities, rare collections, and similar valuables not specifically declared in the policy.
War and Civil Disturbances – Losses arising from war, invasion, riots, strikes, civil commotion, or military actions.
Consequential Losses – Indirect financial losses such as loss of profit, business interruption, or inconvenience.
For broader protection of buildings, machinery, furniture, fixtures, and stock, explore our Property Insurance coverage.
