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GIC – General Insurance Products

Burglary Insurance

Cover for loss of or damage to property from burglary or housebreaking, subject to policy terms.

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How we help

A burglary policy pays for property stolen or damaged when someone breaks into the insured premises. It is commonly taken for homes, shops and offices.

Cover generally requires evidence of forcible entry, such as a broken lock or door. Theft without such signs, or by someone with lawful access, may not be covered, so we explain the condition before you buy.

We help you list the contents to be insured, with values, and we explain the steps after a break-in, including the police report that a claim needs.

What it covers

  • Loss of insured contents through burglary
  • Damage caused during a break-in
  • Policy-specific exclusions apply

Coverage, exclusions, and claim conditions depend on the policy and insurer.

Before you decide

Points to check

  1. 01A list of insured contents with values
  2. 02The requirement of forcible entry for a claim
  3. 03Limits on cash, jewellery and other valuables
  4. 04Security measures the insurer expects, such as locks or alarms
  5. 05The documents required after a loss

Common questions

What people ask us about Burglary Insurance

Is every theft covered?

No. Burglary cover applies where there is forcible entry or housebreaking. Pilferage or theft without such signs is usually excluded.

What should I do after a burglary?

File a police report straight away, inform the insurer promptly, and do not disturb the scene until the insurer's surveyor has seen it, if one is sent.

Is jewellery covered?

Usually only if declared and within the policy's limits. We check the terms for valuables with you.

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Shree Sai Insurance is the practice of Amit Dhirajlal Waghela, an AMFI-registered mutual fund distributor (ARN-166386), not a SEBI-registered investment adviser. The firm earns commission from asset management companies on the schemes it distributes, does not charge a fee for distribution, and does not guarantee returns. Insurance is offered separately from the mutual fund distribution business. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.