Get contents insurance

Whether you are buying a house or renting an apartment, there will always be personal belongings in your home. Think about a washing machine, furniture or a television. These are all valuable items. Should damage occur; you will obviously want the value of these items back.

What if, for example, a fire breaks out? Then how do you make sure you get compensation for the damage? Fortunately, you can recover this damage with home contents insurance. But how do you find the best home contents insurance for your situation? In this informative blog you can read all about taking out home contents insurance.

What do you need to purchase contents insurance?

Contents

Perhaps a bit obvious, but before you can purchase contents insurance, you must have contents. For example, if someone still lives at home with the parents, then that person does not need to purchase contents insurance. After all, the house is insured with the parents and the things in it are covered by their contents.

Property

Second, you do need to be living in a home that houses your contents. The most important thing here is that you are actually registered at the address of this residence. If you are not, your insurer will not be able to insure your possessions. After all, they must have proof that you are registered at a particular location.

When is the best time to purchase contents insurance?

It is best to purchase contents insurance as soon as you start living on your own. Perhaps you are a student and only have a bed, computer and TV in your room. Or you may buy your first house right away with all the belongings in it. In these cases, it doesn't matter if you have a lot or few belongings. Contents insurance is designed to cover all your belongings when damage occurs.

If you have few (but necessary) belongings, then contents insurance is just as important as if you have many belongings. A new bed, for example, can quickly cost as much as 1,000 euros including the mattress. A television is also easily a few hundred euros, not to mention laptops and computers.

Therefore, always insure these items with contents insurance. After all, the annual amount you spend on contents insurance will not easily exceed the amounts you paid for the aforementioned items.

Step 4. Enter your information:

You can easily enter your details through the Online Tool. Once you have done this, the Online Tool will select the most appropriate insurance policies for you. You will immediately see which insurance is best for you. After this is done, you can immediately take out the insurance.

Step 5. Lean back and relax:

You are now sure that you have purchased the best possible home contents insurance. All you have to do now is close your computer and enjoy worry-free. Should anything happen to your contents, you will still be protected.

Get cheap home contents insurance? Compare premiums!

Purchase contents insurance in special situations

There are a number of special situations that can arise when buying contents insurance. We explain a few of them for you.

Purchasing household insurance as a defaulter

Have you ever failed to pay your bills? If so, you may be registered as a defaulter. This is of course very annoying. Insurers may refuse your application for household insurance.

This all depends on a number of factors. How long has it been since you haven't paid your bill? Were they hefty sums, or just a few euros? Based on this information, the insurer will make a decision whether or not to insure you. Alternatively, the insurer may ask you to tell your story and, based on this, may or may not provide you with insurance.

Buying contents insurance as a student

When you are a student moving into a room and need contents insurance, it is important to have a few things in mind. Namely, is there already contents insurance for the entire property? Or is it the intention that each resident takes out their own contents insurance? Are certain items used jointly, such as furniture and a television in the living room?

Answer these types of questions carefully before purchasing contents insurance: after all, they can impact the amount of your premium. Keep a close eye on whether you are entitled to a discount as a student.

Buying contents insurance when living anti-squatting

When you live anti-squatting, you are given the right to live somewhere for an uncertain period of time. The property is then absolutely not yours, nor do you enjoy the same rights as regular tenants. On the other hand, you will probably pay a much lower rent (or no rent).

Even when living anti-squatting, it is important to protect your contents. Although insurers are rather wary of this. After all, you can be evicted from your anti-squatting home just like that. Because of these uncertainties, insurers are reluctant to provide insurance: the risk may be too great.

Taking out business contents insurance

In the office, you probably have a number of valuable items. Such as computers, desks and a coffee maker. Combined, these items can quickly be worth several hundred euros.

Therefore, be wise, and take out business contents insurance for your office contents.

Purchase contents insurance at inboedelverzekering.nl

Are you considering home contents insurance? Then get it now through inboedelverzekering.nl! We have the right coverages at the most competitive premiums. Do you have any doubts or questions about our household insurance? Feel free to contact our customer service. They are happy to answer all your questions!