When you think of travel insurance, the first things that come to mind are trip cancellations, lost baggage, or overseas medical emergencies. But did you know that some travel insurance policies also protect your home while you’re away? Yes, select policies provide home burglary protection as an added benefit during your travel period. This feature can be a financial lifesaver if your house is left unattended while you’re exploring another country.
1. What’s Covered Under Home Theft Protection
Here’s what’s typically included when your travel insurance covers theft at home:
- Theft or burglary at your permanent residence
- Losses incurred during the exact travel period covered by your policy
- Reimbursement of up to ₹1 lakh (may vary across policies)
- Compensation for electronics, valuables, or assets mentioned in the FIR
2. Documents Required to Claim
To successfully claim for a theft-at-home incident under your travel insurance, ensure you have the following:
- A valid FIR or police complaint documenting the incident
- Proof of travel such as air tickets or boarding passes
- A detailed list of stolen items with estimated values
- Bills, photos, or warranties as proof of ownership and value.
3. Why This Matters
Your home is vulnerable when you’re traveling. Break-ins and thefts often occur when homes are unoccupied for extended periods. With this coverage, your travel insurance doubles as a safety net for both your journey and your home base.
4. How BTW IMF Can Help
At BTW Financial Services & IMF Pvt. Ltd., we help you:
- Choose the right travel insurance plan with home burglary protection
- Understand the fine print, limits, and exclusions
- Navigate documentation and claims with ease
FAQ’s
1. Does every travel insurance policy cover home theft?
No. This benefit is available only in select comprehensive plans. Always check with your provider or agent.
2. Is this valid for rented apartments too?
Yes, if the policyholder is a resident and can prove ownership or valid rental agreement.
3. Will I get full value for stolen items?
Coverage is usually limited to a pre-set sum insured and subject to policy limits and depreciation.
4. Can I claim theft at home even if I’m traveling domestically?
Most such features are tied to international travel insurance, but some domestic policies may include it. Check with your insurer.
5. What happens if the FIR is delayed?
Delayed FIRs may affect the claim. It’s critical to file the FIR immediately after the incident and inform the insurer promptly.
Contact Information
BTW Financial Services & IMF Pvt. Ltd.
Protecting Health. Securing Futures.
📧 Email: info@btwimf.com
🌐 Website: www.btwimf.com
📍 Offices: Pune | Mumbai
