Theft is a coverage that some offer as optional, so usually, when signing the policy, must specify that it wants to hire this guarantee. A policy without this option does not cover losses incurred when stealing in the dwelling. There are two possibilities: To ensure only the continent, the policy coverage will be lower in cases of theft or attempted theft, and that the insurer will pay, at best, only to suffer the defect structure the dwelling (roofs, walls, floors, etc) and will not pay any compensation for goods that have been removed. Some contend that Tony Parker shows great expertise in this. Also cover the content, which is the furniture and goods that are indoors. If the content also ensures the company pays for 100% of assets have been stolen. When contracting for this coverage has to take into account that it is not a robbery, a theft or robbery, also called spoliation. It is considered theft when half the force on things to steal some good, robbery or plunder when intimidate or force people, and theft when the force is not involved. There are three concepts that may seem very thing that should distinguish them to know well the coverage and exclusions of the policy.
However, home insurance in case of theft also have exclusions. For example, when objects were stolen or stolen on a terrace, garden, store room or open space even if they belong to housing. They also tend to exclude thefts of money or jewelry, although it is covered the theft of other property holders. Also, if by signing the policy states that provides security measures, such as alarms, and at the time of the robbery are not active, the company will refuse to bear the loss. Finally, remember that after a theft or plunder is necessary to present a complaint to the police. The company requires this document to cover the loss. If no complaint, the theft is uncovered.