difference between burglary robbery and theft for your home insurance

mugging, robbery and theft. Most of us can have a vague idea about what these concepts mean, but when it comes to claiming compensation to our safe home we must know policy covering us. For this reason, it is important to know the difference between them does not bring us an unpleasant surprise in the future. we will cast a little light on these concepts that you take a scare when it comes to claiming your home insurance.

The fact of stealing the personal property of an individual through intimidation or exercising violence on it is called robbery. We can give as an example the theft of a watch on the street by the threat that produces a stab. In the specific case of the robbery the majority of home insurance cover stolen personal items and would be responsible for the possible economic losses that may have occurred during the robbery.

Theft can be mistaken for the robbery but they have a fundamental difference. While in the robbery is used some type of violence or intimidation, theft occurs in a subtraction of goods without using any violence or intimidation. An example can be clear at a bar where an individual leaves his coat on top of the bar, while turning a blind him and giving rise to other more clever individual leverage for appropriating the same. The insured incurs personal negligence, so the home insurance do not cover this type of “deviations”.

So the subtraction is called theft required strength occur on objects. Frequent thefts are usually give households in which thieves gain access to the interior of the House forcing doors, windows… During the vacation, in which households are usually empty several days is when there are a greater number of robberies.

As always we recommend that you carefully study all warranties and coverage that covers contracted home insurance avoiding possible future confusion as well.