Burglary/Theft insurance is a specific type of coverage that protects the insured against loss or damage to their property due to actual, forcible, and/or violent entry into or exit from the premises. This policy also provides coverage for damage to insured property or premises as a result of theft, attempted theft, and incidents such as armed robbery or hold-up.

The types of properties that can be insured under this policy are diverse, making it a versatile coverage option for a wide range of individuals and businesses.

Types of insured properties are:-

  • Any person of business with property to the insured whilst kept in the premise that required coverage for stock-in-trade belonging to the insured.

  • Goods held in trust or on commission for which the insured is responsible.

  • Furniture, fixture, fittings and utensils.

  • Household goods and personal effects.


  • Damage occasioned by fire or explosion.

  • Theft by insured, members of his family and employees.

  • War, strike, riot, civil commotion, and kindred risks.

  • Radioactive contamination.

Burglary/Theft insurance provides valuable protection for a wide range of properties against theft. However, it’s crucial to understand the policy’s exclusions to ensure comprehensive coverage. For risks not covered under this policy, consider purchasing additional insurance policies to fill in the gaps. This will ensure that you or your business are fully protected against all potential risks.