On your household contents insurance, your entire household inventory is automatically protected against “break-in”, “robbery” and “simple theft at home”.
If your home is broken into – with or without the use of force – you are reimbursed the reinstatement value of the stolen items. Any repair costs incurred for smashed windows and broken doors are also paid.
Under basic household contents insurance, your personal items are also protected away from the home if they are taken from you using force (“robbery”). Again, you are reimbursed the reinstatement value of the stolen items.