You have invested a lot in the security of your home, and yet one day you become the victim of a burglary. Very annoying, but know that the risk of this will never be completely reduced to zeroleiden is. In addition to optimally securing your home, what you can do to better protect yourself is to take out good burglary insurance. Many people assume that their home insurance policy will suffice in the event of a burglary, unfortunately it will not bear all possible costs.
Household contents insurance
The name of this insurance can be taken quite literally, it is an insurance of your household effects. If you have been the victim of a burglary, your household contents insurance will pay you the value of the stolen goods.
Please note this, the insurance will only pay out up to a certain amount. For those who have very expensive pieces in house, this may not be sufficient and the full loss will not be refunded. Also, home contents insurance will not cover the costs of repairing damage you have suffered from the burglary, just think of a forced lock or a smashed window.
Would you like to have the damage incurred and the effective value of your stolen items refunded? Then you are advised to take out burglary insurance. More on that below.
Burglary insurance
Burglary insurance can be seen as a combination of the contents insurance and the home insurance.
This insurance offers two major advantages. On the one hand, paying out the repair of the damage suffered from the burglary. And this may not seem like a big deal at first glance, but damage can quickly run high financially. Burglars are not known to handle your conveniences with care and this obviously has an impact on the cost of the repairs. A professional charges his hours, new windows or doors or locks may have to be placed and so on. You won't get there with a few hundred euros and it would be a shame if you had to pay this out of your own pocket. On the other hand, with this insurance you can also have the value of your household goods adjusted so that you will not suffer any financial loss, the emotional losses are of course everywhere outside. With the standard household insurance, you should not take too much loot or your belongings should certainly not have a high value in order to no longer get a full refund.
A burglary insurance can therefore be seen as the ideal insurance to protect you against losses due to burglary.
Good insurance offers peace of mind
Admittedly, a burglary is never a pleasant occurrence. Your home will be damaged, you will lose goods that were of high financial or emotional value to you and there is a good chance that you will be afraid for a long time that you could become a victim again. This is all perfectly normal and human, no one asks for a break-in. However, it can give you peace of mind if you are already certain that you will not suffer any financial losses and that all stolen and broken goods will be reimbursed.
Are you considering taking out burglary insurance? Then go and speak to a broker who can help you on your way to the best possible insurance specifically adapted to your situation. Make an inventory of your goods beforehand, this will make it easy to establish a concrete insurance where you are not under- or over-insured. After all, neither is ideal. Different brokers offer different formulas, so it is important to research the formula that gives you the best guarantees at the best price.
Being fully insured in case of a burglary already takes one worry away from you.
