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Professional Advice

Foro seguro de hogar: hurto en mi casa

Catherine R.

Hi, I have a detached house insured through Mapfre and I have suffered a petty theft in my house.

A few days ago my neighbour called me from outside and I went to meet her leaving the door opened. When I came back I saw someone running from my home with my bag and one of my jackets in his hand.

I called the Insurance Co. and I am waiting for an assessor to come, but they told me that I will not be covered for petty theft because the thief did not break anything since he came into the house when the door was opened.

Is this true?

Thank you very much in advance.

Moderator, Sergio Sanguino

Dear Catherine, let´s see:

The difference between robbery and petty theft is that in robbery you need to use force on things to commit the extraction, while in Petty theft there is no such force.

But to use force on things means that thieves, are introduced in the insured home against the will of the insured by burglary, climbing, breaking a wall, ceiling, floor, door or window, using false keys, legitimate keys stolen from the owner, with picks or other instruments specifically for executing the robbery, penetrating secretly or surreptitiously, ignoring the Insured, their relatives, employees or servants, hiding and committing the offense when the home is located closed.

Petty Theft is the illegal removal of insured objects without the use of such a force.

In your case, it is indeed a Petty Theft, but this does not mean that the Insurance Co. does not take charge of the incident so check the General Conditions of the policy contracted as almost all policies establish an economic limit on these coverage, i.e. the stolen items are covered up to 300, 500, 1,000 euros etc. depending on the policy contracted.

Kind regards.

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