La póliza cubre el robo y la rotura.

Because póliza is a feminine singular noun, so it takes the feminine singular article la.

• la póliza = the policy
• una póliza = a policy

This is standard agreement in Spanish: the article must match the noun in gender and number.

Also, the accent mark in póliza shows where the stress goes: PÓ-li-za.

Cubrir is the infinitive form, meaning to cover.
In the sentence, the verb has to agree with the subject la póliza, which is third person singular, so Spanish uses:

• cubrir = to cover
• cubre = it covers

So:

• La póliza cubre... = The policy covers...

This is the present tense of cubrir.

Spanish often uses the definite article more than English does, especially when talking about things in a general category.

So:

• el robo = theft
• la rotura = breakage / damage by breaking

Using the article before both nouns sounds natural and standard here, especially in formal or insurance-related language.

You could think of it as referring to those risks as named categories:

• theft
• breakage

Because the two nouns have different grammatical genders:

• robo is masculine → el robo
• rotura is feminine → la rotura

This is grammatical gender, not biological gender. In Spanish, nouns are assigned masculine or feminine, and the article has to match.

In this kind of sentence, especially in insurance language, rotura usually means breakage or damage caused by something being broken.

It is a common word in policies, contracts, and product coverage. It does not usually mean an emotional or abstract breakup. In everyday Spanish, context matters, but in insurance language rotura is very natural.

Examples:

• seguro contra rotura = insurance against breakage
• cobertura por rotura = breakage coverage

Not usually.

Both can come from the idea of breaking, but they are used differently:

• rotura usually refers to a physical break, especially in practical contexts like objects, machinery, glass, screens, pipes, etc.
• ruptura is often more abstract or formal, and can refer to a rupture, break, or breakdown in things like relations, agreements, or structures.

In an insurance sentence like this, rotura is the more natural word.

This is a very common question, especially in Spain.

In general:

• robo = theft involving force, violence, or breaking in
• hurto = theft without force or violence

In legal and insurance contexts in Spain, that distinction can matter a lot. A policy may cover robo but not necessarily hurto, depending on the contract.

So if you are learning Spanish used in Spain, it is worth noticing that robo is not always just a general synonym for theft in legal language.

Because Spanish often uses the singular to talk about a concept in general.

Here, the sentence is not referring to:

• one specific theft
• one specific breakage event

Instead, it is talking about the types of risk the policy covers. So the singular works like a category label:

• el robo = theft as a covered risk
• la rotura = breakage as a covered risk

This is very common in formal, legal, and insurance language.

You might see article omission in some headings, notes, or very condensed commercial language, but in a full standard sentence, el robo y la rotura sounds more natural and complete.

So for normal Spanish, especially in a learner context, the best version is:

La póliza cubre el robo y la rotura.

Yes. This is a very common and important use of cubrir.

In insurance Spanish:

• La póliza cubre... = The policy covers...
• El seguro cubre... = The insurance covers...
• Está cubierto = It is covered

So cubrir is one of the main verbs you will see in insurance documents and customer service language.

A few useful points:

• póliza is stressed on the first syllable: PÓ-li-za
• cubre is roughly KOO-breh
• robo is RO-boh
• rotura is ro-TOO-ra

Also, be careful not to confuse:

• robo = theft
• robó = he/she/you-formal stole

That accent mark changes both the stress and the meaning.

Spanish does not need a preposition here. The verb cubrir can directly take the thing covered as its object.

So Spanish says:

• La póliza cubre el robo y la rotura

Literally, that is The policy covers theft and breakage.

English sometimes says covers theft, and sometimes covers against theft. Spanish normally just uses cubrir + noun in this kind of sentence.