Secure What Matters Most
Burglary insurance is a specialized type of property insurance that provides coverage against the loss or damage to valuables and assets due to burglary, housebreaking, theft, or any related crimes involving forced entry or exit from your premises.
In an increasingly unpredictable world, burglary and theft can happen at any time, putting your valuable property at risk. Our policies are designed to provide financial compensation for loss or damage to your property caused by actual, forcible, and violent entry into or exit from your premises.
This insurance also covers any related damage caused during an attempted burglary, including the risk of a hold-up. The key to securing your property lies in understanding the coverage options available and ensuring that you have the right policy in place for your needs.
Key Benefits of Burglary Insurance
Coverage for Property and Valuables
Protection for property such as stocks, furniture, and valuable assets. For businesses, this includes inventory, office equipment, and other essential items at risk of theft or damage.
Damage to Premises
Coverage for any damage to your premises resulting from a burglary or housebreaking, including broken windows, doors, locks, and other structural damages.
Cash, Jewelry, and Valuables
Additional coverage for valuable items such as cash, jewelry, securities, or important documents kept in a locked safe or secure location.
Peace of Mind
The ultimate benefit is knowing that your valuables and property are protected against theft, burglary, or damage, reducing stress and preventing financial hardship.
Categories of Burglary Insurance
Full Value Insurance
The most comprehensive plan, providing coverage for the total value of the property insured. Ideal for businesses or individuals who want complete protection for all assets.
Best for: High-value assets and those wanting assurance of total coverage for their property.
First Loss Insurance
A cost-effective coverage designed to provide protection for a fixed value or percentage of the total value of the insured property. In the event of a claim, the policyholder receives compensation up to the agreed sum.
Best for: Businesses with fluctuating inventory or individuals who don't need full-value protection.
Stock Declaration Insurance
A flexible option for businesses that deal with large quantities of stock or inventory. Coverage is adjusted periodically based on declared stock value.
Best for: Retailers, wholesalers, or manufacturers with varying stock volumes who need dynamic coverage.
Who Can Be Insured?
-
Individuals: Owners of high-value items such as jewelry, electronics, cash, artwork, or other valuables that could be at risk of theft or damage.
-
Business Owners: Companies with physical premises, inventory, furniture, or equipment that could be targeted by burglars.
-
Organizations: Non-profit entities, educational institutions, or public sector organizations that store valuable items or important documents.
-
Financial Institutions: Banks, credit unions, and lenders that handle large sums of money and valuable securities.
Why is Burglary Insurance Important?
The importance of burglary insurance cannot be overstated, particularly in environments where valuables are at a higher risk of being stolen or damaged. Whether it's the protection of assets in a commercial setting or safeguarding personal valuables at home, burglary insurance is crucial for mitigating financial losses.
Businesses with high-value inventory or assets are particularly vulnerable to risks such as theft and break-ins, which can result in significant financial loss if not adequately covered. For homeowners, burglary insurance provides a safety net that protects your personal property from unexpected break-ins or criminal activity.
By choosing the right burglary insurance policy, you're securing not just your property but also your peace of mind, knowing that you are financially protected against the risks associated with burglary and theft.
Protect Your Valuables Today
Safeguard your business, secure your possessions, and ensure peace of mind with our comprehensive burglary insurance coverage.
Get a Quote