the insurer's Burglary Insurance Policy covers financial loss or damage due to burglary, housebreaking, theft, or attempted burglary at your home or business premises. Movable property like stock, stock-in-trade, and plant & machinery can be covered — so long as they are reasonably protected. RSMD and terrorism cover available on additional premium.
the insurer Miscellaneous Insurance· Standalone Policy· Homes & Business Premises
Burglary insurance covers financial loss arising from theft, housebreaking, or damage to your property following a forcible and violent entry into or exit from your premises. the insurer's standalone policy covers homes, shops, offices, warehouses, and factories.
the insurer's Burglary policy ( proposal form and IRDAI policy wording): "Burglary or Housebreaking means theft following an actual, forcible and violent entry of and/or exit from the premises."
Covers residential homes and all types of business premises — offices, shops, warehouses, godowns, and factories.
All PremisesStock-in-trade, plant & machinery, furniture, fixtures, fittings — all movable property inside the insured premises.
Confirmed — the insurerMoney stolen from a securely locked safe or strong room is covered — in addition to physical contents.
Cash CoverDamage to the premises structure (doors, windows, walls, locks) caused during the burglary or attempted burglary is covered.
Premises RepairEven if the thief fails and nothing is stolen, structural damage from the attempt is covered — up to 10% of SI for all risk locations.
Attempt CoveredRiots, Strikes, Malicious Damage, and Terrorism can be added to the base burglary policy on payment of additional premium.
Optionalfrom the insurer's Policy Wording and Proposal Form
Coverage own product page, IRDAI policy wording, and the insurer's published Business Premises Proposal Form.
All goods for sale in the insured premises — finished goods, raw materials, work-in-progress, merchandise — stolen or damaged by burglary.
Movable plant and machinery inside the insured premises. Covered so long as reasonably protected —
Furniture, shelving, counters, fixtures, and all shop/office fittings inside the insured premises.
Money stolen from a securely locked safe or strong room on the insured premises. policy wording.
Structural damage to doors, windows, walls, locks caused during the burglary or attempted burglary — repair cost covered.
Reasonable costs for replacing or resetting locks and keys after a burglary — to restore security to the premises.
Costs of increased security measures required to protect property until lock/key replacement is complete — post-burglary emergency security.
Loss of clothing and personal effects (excluding money) of owners, partners, proprietors, or directors — up to ₹50,000 per event. Confirmed from IRDAI wording.
the insurer's Burglary policy confirms: movable property can be covered "so long as they are reasonably protected." This means:
Every Property Owner Needs Burglary Cover
Burglary is one of India's most common property crimes. Both homeowners and businesses face this risk daily — the insurer's standalone policy protects any premises type.
Household contents, electronics, valuables
Stock-in-trade, till cash, fixtures
Computers, servers, office equipment
Plant, machinery, raw materials
Bulk stock, godown inventory
Kitchen equipment, inventory, cash
Medical equipment, medicines, cash
Lab equipment, computers, office contents
| Risk Type | Burglary Insurance | Fire Insurance (SFSP) |
|---|---|---|
| Theft with forced entry | ✔ Fully covered | ✘ Not covered |
| Fire, lightning, explosion | ✘ Not covered | ✔ Fully covered |
| Structural break-in damage | ✔ Covered (doors, locks, grilles) | ✘ Not covered (no fire) |
| Flood, storm damage | ✘ Not covered | ✔ Covered (STFI) |
| Cash in safe stolen | ✔ Covered | ✘ Not covered |
| Riot/Vandalism (RSMD) | Optional add-on | ✔ Covered |
| Earthquake damage | ✘ Not covered | Optional add-on |
| Contents loss from theft | ✔ Core cover | ✘ Not covered |
| Best for | Theft, break-in, housebreaking | Fire, flood, storm, explosion |
Burglary and Fire insurance cover completely different risks — they don't overlap and they're not alternatives. A shop that buys only fire insurance is exposed to theft; one that buys only burglary insurance is exposed to fire. The most comprehensive protection is both policies together. the insurer's Shopkeepers Insurance (for SI under ₹2 crore) and Vyapar Suraksha Policy (for SI over ₹2 crore) bundle both in one package. For homes, the insurer's Householder Policy provides both sections together.
Optional Covers — Extend Your Burglary Policy
the insurer's base Burglary policy excludes Riots, Strikes, Malicious Damage and Terrorism. These can be added on payment of additional premium — product page.
Base the insurer Burglary policy EXCLUDES terrorism ( proposal form and IRDAI wording): "The Policy does not cover loss or damage arising from… Terrorist Activities."
The Terrorism add-on can be purchased to extend cover for loss or damage arising from terrorist acts — subject to terms and additional premium.
"RSMD and terrorism [available] with additional premium." Call 022 4302 0000 for current terrorism add-on premium and terms.
What the insurer's Burglary Policy Does NOT Cover
All exclusions below are Proposal Form, IRDAI policy wording ( and ), and the insurer's product page.
Any loss from war, invasion, civil war — standard across all the insurer property policies. proposal form exclusion list.
Not covered under base policy — available as add-on (RSMD endorsement) on additional premium. product page.
Excluded from base policy — "The Policy does not cover loss from Terrorist Activities." Available as add-on on additional premium. the insurer confirmed.
Earthquake, flood, storm, volcanic eruption — covered under Fire (SFSP) policy, not Burglary. These are perils separate from theft/housebreaking.
Loss of business income or profits arising from the burglary — business interruption is excluded from standard burglary. Covered under separate BI policy.
Loss from a safe opened with keys that were obtained without force or violence — i.e., keys that were found/stolen rather than taken by force. the insurer confirmed.
Theft without visible damage to entry/exit points — a thief who walks through an unlocked door does not trigger a Burglary policy claim.
Theft by the insured's own employees — this is covered separately under a Fidelity Guarantee insurance policy, not Burglary.
Proposals from furriers, jewellers, gold & silver smiths are NOT accepted — product page. High-value precious item businesses require specialist cover.
Policy ceases to be in effect if the insured premises are left uninhabited (through day and night) for 14 or more consecutive days — confirmed from IRDAI wording.
If the insured makes material alterations to the premises or does anything to increase the risk — policy is rendered null and void. Notify the insurer of any major changes.
Premises closed without any security — product page. Security arrangements must be maintained for the policy to remain operative.
What to Do When a Burglary Happens
Speed and accuracy in the first 24–48 hours are critical for a successful burglary insurance claim. Follow these steps in order — claim procedure and IRDAI wording.
Go to the nearest police station and lodge an FIR (First Information Report) IMMEDIATELY — before touching or moving anything. The FIR must list all stolen items and their approximate value. A Burglary claim REQUIRES a police FIR.
Notify the insurer (022 4302 0000) within 24–48 hours of discovery. Give written notice specifying the date, time, nature, and approximate value of loss. Keep a copy of your notification letter.
Do NOT repair, clean up, or remove broken locks/frames until the insurer's surveyor has inspected the damage. Photograph everything — damaged entry points, empty shelves, broken locks, scattered contents.
Compile a complete list of stolen/damaged items with their values. Support with purchase invoices, stock registers, accounts books, CCTV recordings, and any other documentary proof of ownership and value.
the insurer appoints a licensed surveyor to inspect the premises, assess the break-in evidence, and evaluate the loss. Co-operate fully — show the surveyor the entry point, damage, and all supporting records.
Submit the completed claim form with FIR copy, surveyor's report, inventory list, and supporting documents to the insurer. Settlement is made based on the surveyor's assessed loss within 30 days of receiving complete documents.
The biggest claim mistake: cleaning up, repairing broken locks, or moving items before the insurer's surveyor inspects the premises. The surveyor must see the break-in evidence first-hand. If you must secure the premises for safety, take extensive photographs and video of all damage before touching anything. Call 022 4302 0000 immediately for guidance on what you can and cannot do before the surveyor visit.
Standalone vs Package — When to Choose Which
the insurer's standalone Burglary policy is one option. For most businesses and homes, a package policy that includes Burglary alongside other covers is more cost-effective.
| Parameter | Standalone Burglary Policy | the insurer Shopkeepers Insurance | VSP (Vyapar Suraksha) | the insurer Householder Policy |
|---|---|---|---|---|
| Who it's for | Any premises — specific burglary need | Small shops ≤₹2Cr SI | Large traders >₹2Cr SI | Homeowners and tenants |
| Burglary cover | ✔ Core section — full cover | ✔ Section II — compulsory | ✔ Section II — compulsory | ✔ Section II — optional |
| Fire cover | ✘ Not included | ✔ Section IB — compulsory | ✔ Section IB — compulsory | ✔ Section I — core |
| Personal Accident | ✘ Not included | ✔ Section VIII — optional | ✔ Section VIII — optional | ✔ Section VIII — optional |
| Money Insurance | Safe/strong room only — partial | ✔ Section III — full money cover | ✔ Section III — full money cover | ✔ Section VII — optional |
| Public Liability | ✘ Not included | ✔ Section X — optional | ✔ Section X — optional | ✔ Section IX — optional |
| RSMD add-on | ✔ Available on add'l premium | ✔ Available | ✔ Available | ✔ Available |
| Premium discount | No bundled discount | 15–25% for 4–6+ sections | 15–25% for 4–6+ sections | 15–20% for 4–6+ sections |
| Best for | Specific burglary risk; already have fire cover; non-standard premises | Small shopkeeper needing bundled cover | Large retailer/mall/chain | Home contents protection |
Burglary Insurance Questions
Get Your Burglary Insurance Quote
Our the insurer-empanelled specialists will contact you within one working day with a complete Burglary policy quote — and advice on whether a standalone policy or a package policy (Shopkeepers/VSP/Householder) is more cost-effective for your situation.
By submitting, you agree to our Privacy Policy and Terms & Conditions. Burglary policy subject to the insurer underwriting and security inspection. Jewellers/gold/silver smiths: specialist cover required — contact us. Probitas Insurance Brokers Pvt. Ltd.· IRDAI Lic. No. 528.