Given the frequency of natural calamities, the importance of home insurance can’t be stressed enough. But a house insurance policy doesn’t just insure your house against natural catastrophes; it also ensures the home’s contents against burglary. But did you know that your house insurance policy will not cover theft? So what is the difference between Burglary and robbery? Let’s find out.

Home Insurance
There are two types of insurance policies to cover your house: a basic fire insurance policy and a comprehensive policy called the householder’s package policy (HPP).
The fire policy covers your house and its contents against fire and other allied perils, including storms and floods. Some insurers may ask you to pay an extra premium to cover other natural disasters such as earthquakes.
Over and above the fire insurance policy, HPP includes covers that insure the contents of your house against burglary and mechanical or electrical breakdowns.
You can also add covers such as a public liability cover, which compensates the third party for losses caused by you, or a personal accident cover offering insurance on accidental death or total permanent and partial disability due to an accident.
Legal Difference Between Burglary Vs. Robbery
While a packaged home insurance policy offers financial protection in case of damage due to natural calamities, it also compensates you if somebody breaks into your house and steals your valuables. Burglary is a real threat, and it is good that your insurance covers it. But you must go through the insurance policy’s details to know how it defines burglary.
While you may use the words burglary and robbery interchangeably, the two have different meanings in law, and the insurers observe this distinction. Burglary, by definition, involves a break-in through violent or forcible means. So if a person breaks a window to get into the house or breaks open your cupboard to steal, it is considered burglary. Usually, an HPP covers burglary but not robbery.
Robbery would mean the person committing the crime had access to the house or its valuables. For example, you may have dropped the keys to your house near the door and come back home to discover your jewelry stolen.
This is more a case of negligence. The insurer could say that you should have kept the keys safely. Insurers don’t cover theft because it is difficult to administer and often can be due to negligence. But some insurers also offer robbery insurance as an add-on cover to the HPP.
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Also: ensures
The 4th Amendment protects two fundamental liberty interests: the right to privacy and freedom from arbitrary invasion.
A search occurs when a government employee or agent violates a reasonable expectation of privacy. A seizure is an interference with an individual’s possessory interest in the property. The property’s owner must have had a reasonable expectation of privacy in the items seized.
A person is seized when law enforcement personnel use physical force to restrain the person if a reasonable person in a similar situation would not feel free to leave.
The prohibition on unreasonable searches and seizures restricts the actions law enforcement personnel may take when performing a criminal investigation; however, the ban also disallows unjustified searches and attacks in the civil litigation context.
Law enforcement may search only if individualized suspicion motivates the search. The Fourth Amendment prohibits generalized searches unless extraordinary circumstances place the public in danger.
To sue regarding an alleged Fourth Amendment violation, the plaintiff must have a legitimate expectation of privacy at the searched location. This expectation must meet both the subjective and objective tests of reasonableness.
The subjective test requires the plaintiff to expect privacy genuinely. The objective test requires that, given the circumstances, a reasonable person in a similar situation also would have expected privacy.
The Exclusionary Rule
Courts ordinarily suppress evidence obtained during an unreasonable search or seizure. This rule, known as the exclusionary rule, applies to both the investigatory and accusatory stages of criminal prosecution.
If evidence that falls within the scope of the exclusionary rule led law enforcement to other evidence, then the exclusionary rule also applies to this related evidence.
The Warrant Requirement
To avoid illegally searching or seizing property, law enforcement officers typically obtain warrants. They must show probable cause, supported by oath or affirmation, and describe the place they will search and the items they will seize. A judge may find the probable cause only by examining the totality of the circumstances.
A knock-and-announce warrant requires law enforcement officers to knock on the door of a residence and announce their identity before entering.
For additional information about search and seizure definition, you can click here.
Conclusion
Once approved, the insurer will typically pay for the insured assets on a market-value basis only after determining the difference between burglary vs. robbery.