{"id":31726,"date":"2020-07-31T19:46:52","date_gmt":"2020-07-31T19:46:52","guid":{"rendered":"https:\/\/blog.lodgis.com\/?p=31726"},"modified":"2025-04-24T15:15:23","modified_gmt":"2025-04-24T15:15:23","slug":"theft-coverage-home-insurance","status":"publish","type":"post","link":"https:\/\/blog.lodgis.com\/en\/theft-coverage-home-insurance\/","title":{"rendered":"The Theft Coverage in Home Insurance: What You Need to Know"},"content":{"rendered":"<p>The theft insurance guarantee is an <strong>essential protection<\/strong> to consider in your home insurance policy. It allows you to be compensated in the event of a burglary or intrusion. In 2025, many comprehensive home insurance policies (assurance multirisque habitation) include it, but it\u2019s important to fully understand its limits. This guide gives you a clear and up-to-date overview.<\/p>\n<p>To learn more about the other protections available, check out our article on <a href=\"https:\/\/blog.lodgis.com\/assurance-multirisque-habitation-obligatoire\/\" target=\"_blank\" rel=\"noopener\">assurance multirisque habitation<\/a>.<\/p>\n<hr>\n<h3>What does the theft insurance guarantee cover?<\/h3>\n<p>This optional coverage typically includes several types of theft, such as:<\/p>\n<ul>\n<li>Theft by <strong>forced entry or break-in<\/strong><\/li>\n<li>Theft involving <strong>threats or violence<\/strong> against the insured<\/li>\n<li><strong>Clandestine intrusions<\/strong> while the occupant is present<\/li>\n<li>Entry using <strong>lock-picking or a stolen key<\/strong><\/li>\n<li>Theft committed by a domestic worker (e.g., babysitter, housekeeper), if a formal complaint is filed<\/li>\n<\/ul>\n<p>In most cases, this coverage is included in your <strong>assurance multirisque habitation<\/strong>. Make sure to check with your insurer.<\/p>\n<hr>\n<h3>Theft not covered: what to watch out for<\/h3>\n<p>Be aware that some types of theft are not covered by this guarantee:<\/p>\n<ul>\n<li>Theft committed by a <strong>relative or family member<\/strong><\/li>\n<li>Items stolen from an <strong>undeclared basement, garage, or outbuilding<\/strong><\/li>\n<li>Personal belongings left in <strong>common areas, the yard, or the garden<\/strong><\/li>\n<\/ul>\n<p>To avoid unpleasant surprises, carefully read the general terms of your policy. For more details, visit <a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F2056\" target=\"_blank\" rel=\"noopener\">service-public.fr<\/a>.<\/p>\n<hr>\n<h3>What to do in case of burglary or theft<\/h3>\n<p>If a break-in or theft occurs, act quickly:<\/p>\n<ul>\n<li>Report the incident to the <strong>police or gendarmerie<\/strong> as soon as possible<\/li>\n<li>Notify your insurer <strong>within 2 business days<\/strong> of discovering the incident<\/li>\n<\/ul>\n<p>You can declare the theft using one of the following methods:<\/p>\n<ul>\n<li>By phone<\/li>\n<li>Through your insurer\u2019s website<\/li>\n<li>By visiting your insurance agency<\/li>\n<li>Or by registered mail with acknowledgment of receipt<\/li>\n<\/ul>\n<p>An insurance adjuster may be sent to your home to assess the damage and determine your compensation.<\/p>\n<hr>\n<h3>Summary: why subscribe to theft insurance?<\/h3>\n<p>Here\u2019s what to remember about this coverage in 2025:<\/p>\n<ul>\n<li>It covers theft involving break-in, threat, or violence<\/li>\n<li>It may apply in the case of theft by a registered domestic worker<\/li>\n<li>It does not cover theft by family members or items stolen from unsecured external spaces<\/li>\n<li>A quick and complete declaration is essential to trigger compensation<\/li>\n<\/ul>\n<p>By comparing policies and reading the terms carefully, you ensure better protection for your home. If in doubt, don\u2019t hesitate to speak with your insurer or a qualified broker.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The theft insurance guarantee is an essential protection to consider in your home insurance policy. It allows you to be compensated in the event of a burglary or intrusion. In 2025, many comprehensive home insurance policies (assurance multirisque habitation) include it, but it\u2019s important to fully understand its limits. This guide gives you a clear [&hellip;]<\/p>\n","protected":false},"author":41,"featured_media":27860,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[679,666],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Theft Coverage in Home Insurance: What You Need to Know - Lodgis Blog<\/title>\n<meta name=\"description\" content=\"Everything You Need to Know About Theft Insurance in 2025: What It Covers, What It Doesn\u2019t, and the Steps to Take After a Burglary.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.lodgis.com\/en\/theft-coverage-home-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Theft Coverage in Home Insurance: What You Need to Know - 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