Burglary & Theft Insurance Rider
Contents + jewellery sub-limits, FIR timeline, vacancy clause.
The 60-second version
Base fire policy covers burglary in many bundled plans — standalone theft rider adds jewellery and electronics sub-limits. I photograph valuables, keep invoices, and know FIR timeline for claims.
Burglary claim needs FIR within 24 hours — photos before move-in
Returning families often bring jewellery and electronics — standard fire+burglary bundle covers theft with sub-limits unless you add jewellery rider.
Vacant-home clause applies if house empty 30+ days — inform insurer of occupancy date after return.
Claim needs police FIR, inventory list, and purchase invoices — photograph serial numbers at move-in.
Home base: property insurance guide.
Theft cover options
| Cover | Typical sub-limit | Add-on |
|---|---|---|
| Bundled burglary | 10% of building SI | Often included |
| Contents only | ₹5L–₹25L | Tenant policy |
| Jewellery rider | ₹2L–₹10L | Valuation cert |
| Electronics | ₹1L–₹5L | Invoice list |
| Safe locker | Separate policy | Bank vault |
Theft rider purchase sequence
Inventory valuables
Photos + invoices + serial numbers.
Add rider
At policy inception or renewal endorsement.
Occupancy notify
Tell insurer move-in date — ends vacancy clause.
FIR protocol
Know nearest police station — 24h claim window.
Renewal
Update inventory if new purchases.
Claim flow
Theft rider kit
- Policy schedule.
- Valuation cert for jewellery.
- Electronics invoices.
- Move-in photos.
- FIR copy blank template.
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Vacancy clause
Long-empty NRI homes lose theft cover — endorse occupancy date on return.
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Apartment society?
Theft from locked flat covered — common area theft varies.
Cash stolen?
Usually excluded or very low sub-limit.
Domestic staff theft?
May need fidelity guarantee add-on — not standard burglary.
NRI vacant 6 months?
Vacancy endorsement or higher premium required.
No FIR?
Claim likely rejected — file even for attempted burglary.
Locker jewellery?
Home policy sub-limit low — bank locker separate cover.
The plan is only as good as the sequence.
Tax, banking, schools, shipping — they all have dependencies. A wrong order costs months and lakhs. Get it right.