How can I save on contents insurance?
When you can save on home contents insurance, it is of course a great thing. However, it is not always the case that the cheapest insurance is also the best insurance for you. You will always have to pay attention to the coverage and conditions of the insurance. It is useful to compare different home contents insurances. We will give you some tips on how to get the cheapest premium for your home contents insurance.
Saving on contents insurance
Research shows that consumers can easily save on contents insurance. This was found by the NMa (predecessor of the Authority Consumer and Market; ACM). A family with young children can thus save about 40 euros, a single person 48 euros and a retired couple even 63 euros.
Comparing household insurance policies
Our golden tip is to compare household insurance policies every year. This is because insurers adjust their premiums every year. They can adjust the premiums up or down. An insurance you took out last year does not have to be the cheapest in the coming year. With our handy tool you can easily compare different premiums yourself.
Pay attention to coverage!
With a certain premium comes a certain coverage. When looking to purchase contents insurance, it is smart to carefully consider what you want to have covered. For example, you may be covered for damage to and/or theft of garden furniture, but if you don't have a garden or balcony at all, this coverage is not necessary at all. So always look carefully at the insurance coverage and then specifically at certain damage events and whether or not they are insured.
Taking out household contents insurance? Calculate your premium!
Multiple insurances in one
If you are planning to purchase contents insurance, it is advisable to consider whether you want to purchase other insurance as well. If you take out more than one insurance policy at once, in many cases your insurer will give you a package discount. Contents insurance is often taken out in combination with liability insurance and home insurance.
Secure your home!
It is advisable to secure your home against burglary and/or fire. Does your home have one of these two labels?
- Hallmark Safe Housing
- Certificate Secure Dwelling
If so, you may receive a 10% to 20% discount from your insurer. Want to get one of these hallmark certificates? If so, you should attach locks to windows and doors, hang smoke detectors and install exterior lighting. .
Take pictures of possessions
In case of damage, it is important that you have proof. Therefore, take photos of valuable possessions and also keep receipts. This will help your insurer better assess what damages they can pay out.
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