What is required for an insurance policy to cover a burglary?

For an insurance policy to cover a burglary, evidence of forcible entry is typically required. This means there should be clear indications that someone unlawfully entered the property by using force to bypass barriers such as doors, windows, or locks. This is a crucial element in proving that a burglary has occurred as it establishes that the entry was not voluntary or permitted by the property owner.

While police reports, investigations, and photographs of stolen property may support a claim and provide additional context or evidence, they do not serve as the primary requirement for insurance coverage of burglary. The need for forcible entry underscores the distinction between burglary and other crimes, such as theft, that may not involve forceful entry. Thus, having this specific evidence is critical for validating the claim under the terms of the insurance policy.