Does my home insurance cover street robberies?

The main objective of home insurance is to protect your home, its contents, and, in many cases, the people who live there. However, one of the most common questions asked by insured persons is whether their insurance covers robberies that occur outside the home, for example, on the street.

As a general rule, standard home insurance policies cover theft, robbery and material damage that occurs inside the home or annexes such as garages and storage rooms. However, most do not include robberies outside the home, such as the theft of a purse, mobile phone or wallet while walking down the street, unless it is a robbery with violence.

What can you do if you are robbed on the street?

If you are the victim of a robbery or mugging outside your home, the most important thing is to stay calm and follow these steps:

• Report the incident to the police as soon as possible, specifying the stolen objects and the circumstances of the incident.

• Contact your insurer and check whether your policy includes cover outside the home, especially in the case of robbery with violence or intimidation.

• Save invoices or receipts of the stolen objects, since they could be required to process the compensation.

Cover for robberies outside the home with DKV

Unlike many other insurers, DKV Hogar includes cover for robbery outside the home, provided that:

• The insured home is your usual place of residence.

• You have taken out home contents cover.

• The robbery has been reported to the authorities.

In these cases, the insured person or his/her cohabiting family members are compensated for the stolen goods, including cash, cards or documents of economic value.

DKV Hogar: protection inside and outside the home

If you are concerned about your safety in any area, we invite you to learn in detail about all the cover of our DKV home insurance. Not only will you be protected against fire, water damage, weather events, or theft in the home, but also against personal accidents, civil liability, loss of refrigerated food, lock replacement and, of course, robberies outside your home.

Because your peace of mind goes with you, choose complete protection with DKV Hogar.