Not every burglary loss is automatically covered by standard contents or buildings insurance. For certain risks or items, additional insurance policies or specific clauses may be worthwhile. For example, bicycle theft is often only insured up to a certain amount, or only if the bicycle was included separately or certain security measures were in place. For expensive works of art or collections, a special contents insurance or valuables insurance may also be necessary, as the compensation limits of normal contents insurance are often not sufficient here.

Burglary in outbuildings such as basements, garages or garden sheds is often included as standard, but there are also differences depending on the tariff and insurer. The so-called off-premises cover protects household contents that are temporarily outside the home, for example in a holiday hotel – special conditions and periods of usually three months often apply here. Check your contracts carefully for such details. Our expert tip: regular review and adjustment of your insurance cover, for example every two to three years or when making major purchases, ensures that you are always optimally protected. This helps you avoid gaps in cover and be prepared for various scenarios.