Fire & Burglary — Home Cover

An empty house is a target. Burglars look for unattended properties.

A small electrical fault that a homeowner would catch in minutes can spread for hours when no one is around.

In the weeks you're abroad, weather damage, plumbing leaks, or accidental fires can turn into expensive disasters.

Some international travel insurance plans include a Fire and Allied Perils cover for your home, often bundled with a Burglary cover for your contents. It's automatically active during your trip dates.

Protects the structure of your home — and sometimes its contents — against losses caused by fire, lightning, explosion, storms, floods, riots, malicious damage, and earthquakes.

It's the same set of perils you'd find in a standard Home Insurance policy.

Steps in if your home is broken into and contents are stolen or damaged while you're away.

Typical limits cover essentials like furniture, electronics, jewellery up to a sub-limit, and other household goods.

The home must have been reasonably secured — locked doors, no negligence.

Most policies require a minimum unoccupied period before the cover kicks in.

You'll need to file a police report quickly after returning to make a claim.

For travelers heading abroad for two weeks or more, this is one of the most underrated benefits of a comprehensive travel insurance policy. It turns "did I lock the back door?" from a nagging worry into a covered event.