What theft or robbery incidents are covered inside my home?
Robbery and burglary inside the home are covered if there is forced entry, violence, or intimidation involved.
For example, if a thief breaks a window and steals property, this is covered. Theft without any force, such as someone entering through an open door unnoticed, is not covered.
Does home insurance cover theft or robbery outside my home?
Robbery outside the home is covered if violence or intimidation is involved and if this external coverage is included in your policy.
For example, if someone forcibly snatches your phone from your hand, this would be covered. Theft without force, such as pickpocketing, losing a bag or unattended items being stolen, is generally not covered.
What types of theft are excluded from coverage?
Theft incidents without any sign of force, violence, or intimidation are excluded from coverage. This applies both inside and outside the home.