24 Apr Home Insurance and Burglaries: Tips to Protect Your Home
Summer doesn’t just bring sunshine and vacations—it also opens the door to certain risks. Between June and August, home burglaries tend to spike, making this season particularly vulnerable. That’s why, more than ever, having reliable home insurance and reinforcing preventive measures is key to enjoying peace of mind, knowing your house and belongings are protected.
Difference Between Burglary and Theft
When reviewing a policy, it’s important to distinguish two key concepts:
Burglary: Occurs when there is violence, intimidation, or force used to access the home, such as forcing a lock or breaking a window.
Theft: Involves taking property without signs of force or violence, for example, when someone takes advantage of an open door to enter.
This distinction matters: most policies offer broad coverage against burglary, while theft is often barely covered or even excluded.
What Does Insurance Cover in Case of Burglary?
Generally, home insurance policies compensate for both the value of stolen items and the damage caused during entry, such as broken locks, damaged doors, or shattered windows. However, each contract sets specific limits.
High-value items—jewellery, cash, electronic devices, or work tools—usually require explicit declaration supported by invoices, photos, or appraisals. It’s essential to update your policy when acquiring new valuables to ensure coverage.
Some companies even extend protection beyond the home, covering street robberies involving violence or intimidation, which may include phones, handbags, watches, or laptops.
Points to Consider
Insurers may exclude certain situations, such as the absence of an active alarm when required by the policy, valuables not stored in a safe, or items located in unprotected outdoor areas. Additionally, many apply coverage limits or deductibles per claim.
Therefore, before purchasing insurance, review the conditions, adjust the insured value to match your actual belongings, and don’t overlook additional coverage options that can make a difference. Complementing the policy with physical security measures like reinforced doors, cameras, or alarms not only reduces risks but often results in premium discounts.
Estimated Cost
The price of home insurance with burglary coverage varies depending on guarantees and property location. Basic options start at around €200 per year, while more comprehensive policies can reach €600.
At Barcelona Flat Hunter, we recommend carefully analysing coverage, as home insurance not only protects material goods but also the peace of mind of those living in the home.
