Many homeowners mistakenly believe their insurance policy will automatically cover every cent lost during a break-in. Unfortunately, this is rarely the case. Between policy excesses, under-insurance clauses, and strict proof-of-purchase requirements, many claimants receive far less than they expect.
As expert insurance loss assessors, we represent you—not the insurance company—to ensure you get the maximum settlement possible.
Burglary in Ireland: The 2025 Reality
While long-term trends show a decrease in property crime due to better security, the risk remains significant. According to recent Central Statistics Office (CSO) data, burglary and related offences still account for thousands of incidents annually across Ireland.
Prevention is always better than cure. To protect your home in Dublin, Galway, or Limerick, we recommend a proactive three-step approach.
Home burglary insurance loss assessors providing claims help in Dublin, Galway and Limerick.
Step 1: Assess Your Local Risk
The first step is understanding the risk as your insurance company does. Take note of local crime trends in your specific Garda district.
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External Link: Check the latest CSO Recorded Crime Statistics to see trends in your county.
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External Link: Use the PhoneWatch Burglary Report & Map to view incident rates in your specific locale.
Step 2: Invest in Monitored Security
A standard alarm is a deterrent, but a monitored alarm system is the gold standard.
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Lower Premiums: Most insurers offer a discount (often up to 20%) for professionally monitored systems.
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Reliability: Unmonitored alarms are often ignored by neighbors or exploited by burglars using “wolf-cry” tactics (triggering it repeatedly until you turn it off).
Learn more about how we handle Home Content Insurance Claims after a security breach.
Step 3: Avoid the “Under-Insurance” Trap
Insurance companies apply the “Condition of Average” if they find you are under-insured. For example, if your contents are worth €50,000 but you only insured them for €25,000, the insurer may only pay 50% of any claim you make—even a small one.
Read our guide on How to Calculate Your Home Rebuild Costs to avoid payout deductions.
Total Protection: Fire, Smoke, and Carbon Monoxide
At Claims Assist – Insurance Loss Assessors, we don’t just handle thefts. We often attend House Fire Insurance Claims where monitored systems saved lives. Modern security packages now combine burglary, fire, and carbon monoxide detection, providing 24/7 peace of mind while significantly reducing your insurance risk profile.
Need Help With a Burglary Claim?
If you have suffered a break-in, don’t go it alone against the insurance company’s loss adjuster.
Contact our Dublin, Galway, or Limerick offices today for a professional consultation.