Contents & personal liability


Theft is one of the four basic risks covered under contents insurance. The theft cover includes losses due to burglary, robbery, snatch theft and often also pickpocketing and theft by trickery as well as simple theft. The legal definition of theft is as follows: "Any person who for his own or for another's unlawful gain, appropriates moveable property belonging to another person [commits theft]." If household contents and parts of the building are damaged during a break-in, they are usually also covered under theft insurance (consequential damage due to vandalism).