What does fire insurance include for my home?
When you are exploring fire insurance options for your home, you will find that there are many insurers who offer it. All of which often have different premiums and terms as well.
Not only can your home be damaged by fire, soot or smoke, so can the belongings in your home.
To insure your home for fire damage, you can purchase buildings insurance. To insure the things in your home, or your contents, for fire damage, you can purchase contents insurance.
Taking out separate fire insurance for your home or contents is unfortunately not possible. This is because fire insurance is often part of building and contents insurance. These policies provide coverage for more types of damage causes than just fire damage.
Is fire insurance required for my home?
Fire insurance is not required by law, either for contents or for buildings. However, it is recommended. The damage will be very large if a fire breaks out and you have to rebuild the house yourself and buy all your belongings again. In most cases, this is financially prohibitive.
When you take out a mortgage, it is often required by your mortgage lender that you insure the home (i.e., the building structure). Otherwise, both the mortgage lender and you would have a big problem in the event of a fire.
Taking out household contents insurance? Calculate your premium!
What does fire insurance cost for my home?
Fire insurance premiums depend on a number of factors. Consider:
- address of the property
- type and size of house
- type of roofing
- year of construction of the house
- the coverage you want
Because the premium depends on so many factors, it is not possible to quote an average premium for fire insurance. It depends entirely on your personal living situation and wishes. Through our website you can easily and quickly make a calculation for home and building insurance.
What to do if you are moving, renting out your house or your house becomes vacant?
Such changes in your situation should always be reported to the insurer immediately. This is because these can cause a change in the risk. So the insurer always wants to know these things in time.
If you take out your insurance via inboedelverzekering.nl , you can report these changes to us. This can be done via the website or by telephone. We will then ensure that the necessary information reaches your insurer so that we can inform you of the consequences.
What can I do myself to prevent fire damage?
Prevention is better than cure. Therefore, it is wise to install smoke detectors in your home and have a fire blanket/fire extinguisher.
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