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Theft insurance is generally included with fire and contents insurance.
Insurers stipulate certain measures for those wishing to take out this kind of insurance, such as the presence of locks on entrances to the property, locking up during all periods of absence and installing an alarm system if the amount insured exceeds a certain threshold.
The amount of the premium will also depend on the location of the dwelling, the type of construction (attached, detached, etc.), the availability of a garage, etc.
Disappearances, burglaries without evidence of a break-in or committed with the complicity of the insured party or a member of his/her family, and thefts from the communal areas of a block of flats are not indemnified.
It is advisable to take out separate insurance for items of particular value.
Tax reduction of 500 euros for the prevention of burglary
If you invest to protect the family's home against burglary or fire, you can benefit from a tax reduction of 500 euros from 1 January 2009.
To benefit from this reduction, it is necessary to invest in:
- fire doors
- anti-burglary windows
- security systems for doors, windows and gates
- alarm and camera systems
For the self-employed and contractors, the tax deduction is increased to 120 per cent.