Knowing that a burglar has broken into your home and stolen some of your personal belongings is upsetting. In 2021, in France, 190,300 households were victims of burglary or attempted burglary of their homes. It is better to have taken out the right home insurance policy, the right guarantee and taken the right steps so that all this will soon be a distant bad memory.
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Does my home insurance cover the reimbursement of a theft?
Theft and burglary coverage is generally part of the basic home coverage of comprehensive home insurance (HRM) but inquire. All traditional home insurance contracts do not necessarily include it and it would be unfortunate to notice it after a prejudice. And one thing is certain: if you have only taken out rental risk insurance, the theft guarantee is not part of it and you are therefore not covered if a burglary takes place at home.
Be aware that there are exclusions, such as the case of a burglary in the home of an insured who has been absent too long (inhabitation clause).
What to do after a burglary?
Different steps must be followed after the observation of a broken door and a burglary:
- Contact the police or gendarmerie by dialling 17 and then go to the police station to file a complaint;
- List stolen items;
- Contact your insurance company and have your home insurance policy number ready. After a burglary, you have two working days to make a claim to your insurer;
- Gather the document related to the stolen objects (invoices, photos, etc.) and send your insurer the receipt of your complaint.
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Do I have to provide my invoices to get reimbursed?
An invoice for purchase or repair, a certificate of authenticity for jewelry and works of art... are important evidence to build your file and claim a refund to the extent of your financial loss. Photos are also accepted, accompanied by proof of value such as bank account statements, credit card statements, check stubs ...
How to be compensated by your insurer after a burglary?
Under Article L113-2 of the Insurance Code, you have a deadline to respect to contact your home insurer: two working days. Write a registered letter with acknowledgment of receipt to describe your damage following the burglary and indicate the estimate of the stolen goods. Remember to attach the receipt of your complaint given when you visit the police station. An expert mandated by your insurer can be sent on site.
Compensation will depend on all of these elements. A deductible will remain your responsibility. To know its amount, refer to the details of your home insurance contract.
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How to be reimbursed by the insurance of stolen cash?
How to prove that you had a sum of cash at home, well hidden at the bottom of a drawer? It's hard to get there... As cash theft is often difficult to prove to your insurance, you will not be compensated.
How are valuables and valuables reimbursed in case of theft?
We distinguish valuables such as works of art, paintings, sculptures... and precious objects such as precious metal jewelry, precious stones, timepieces... When you bought these items, you probably received invoices and certificates of authenticity, which you have carefully preserved.
Precious objects are reimbursed by the multi-risk home insurance up to a certain ceiling, determined when the contract is taken out. And very often, they will be insured according to their use value, with obsolescence deducted.
For your high-value items, it is better to take out a specific guarantee.