Compare contents insurance

Contents insurance is an important insurance policy to take out. Along with home insurance, this insurance protects your home and its assets. Imagine that you have been saving for a brand new 55-inch 4K OLED television for some time. After months of saving money, you can finally purchase the TV. You then hang this beautiful television in a central place in the living room.

Suddenly, you experience water damage due to a severe storm. Water runs through the ceiling along your wall into your new television. Your television no longer works and, to make matters worse, your insurance company says nothing can be done for you. After all, you have not taken out household insurance....

You are probably gradually getting a good idea of the now of contents insurance. To be clear, contents insurance insures all "loose" belongings that are in your home. By loose should be understood: all items that you can easily take with you when you move. As opposed to building insurance, which covers everything "fixed" to, and around, your home. So these two policies complement each other well.

In this blog, we explain the best way to compare household insurance policies.

Do you have a smartphone, tablet or laptop? Then it is most likely not co-insured within the basic coverage. Especially fall and impact damage are initially excluded from reimbursement. These are damages that occur very often, making the risk for the insurer too high.

For example, a 55-inch 4K oled TV may also fall outside the basic insurance, purely due to the value of the product. Therefore, always check which insurance policy insures up to what amount, or which products are outside the standard coverage.

Keep it economical:

Common questions when talking about insurance are, "what do you actually pay for your insurance?", often followed by the response, "so that's cheap?" or "wow, that much?". Of course, you especially want to make sure you get the first response when you tell how much you pay for your insurance.

To achieve this, it is best to compare as many insurance policies as possible on price. Be aware that (very) cheap insurance does not always provide the coverage you want. Perhaps there are certain high-value items that you want insured, but are not obviously covered under every coverage. Do you have damage but not full coverage because you were cheaper? Then cheap can quickly become expensive.

Know which claims are covered

Beyond knowing which items are insured, you would do well to know exactly what kind of claims you are covered for. For example, are you covered against fire and smoke damage? Or only against water damage? As with the 55-inch 4k OLED television?

You can choose additional modules for these different types of claims. So that you can expand the type of damage you are covered for. Instead of being covered only against fire; you can also be covered against water damage, storm damage, lightning strikes and more.

Comparing contents insurance how do I go about it?

Now that you know why you should compare home contents insurance, let's discuss how to compare home contents insurance. Alpina can help you with this. In fact, Alpina has a handy Online Tool to compare different household insurance policies instantly.

Why use the Online Tool?

Of course, you can endlessly scour all the insurance sites yourself, to compare all the different contents insurance policies and modules on your own. However, this is going to take you a lot of time. And when, after days, or perhaps weeks, you finally finish comparing; you may still be missing something.

The Online Tool makes sure you don't have to do all this work yourself. But how does it work? Actually, it's all very simple. You enter the requested data, choose your insurance and modules, and the Online Tool automatically retrieves the best insurance for you.

Compare and buy contents insurance at inboedelverzekering.nl

Want to compare and purchase contents insurance? Don't know which contents insurance you need? No problem! With the handy comparison tool of inboedelverzekering.nl you can quickly and easily compare household insurance on price and quality.

Do you still have questions about home contents insurance? Then feel free to contact our customer service.