Whether a burglary is covered under a household insurance depends on the certain qualified circumstances and the conditions of the insurance policy.
As an example: the thief stole the apartment key from the insured person’s coat pocket unnoticed, which the accomplices then used to enter the apartment and steal valuables.
According to the conditions of the applicable household insurance, however, this is not a burglary. If the thief penetrates the insured premises with a correct key, a burglary occurs only if he has obtained the key by breaking into a room other than the insured premises of a building or by robbery, but not in the case of a mere theft as a predicate offence. The use of the correct key did not constitute a “sneaking in” within the meaning of the insurance conditions.