What is covered under contents insurance?
Contents insurance is offered by many insurers. There are also different coverages. This makes it more difficult to compare all the providers and their products. Coverage is important to look at when comparing contents insurance.
What items in my home are covered by contents?
Items in your home, which are movable, are included in the contents. This only does not apply if they are earth and nail fixed. This means that you cannot move them without damaging them. Think of a glued parquet floor or a kitchen. Mobile accessories such as your laptop, for example, are also covered by your contents insurance in certain cases. Read more here.
What types of coverages are there?
With contents insurance, you will often come across the following coverages: comprehensive, extra comprehensive and most comprehensive. The latter is also called all-risk coverage. The most common coverages are 'extra comprehensive' and 'most comprehensive'. Damages that often fall under the basic coverage are:
- Water damage
- Fire damage
- Theft damage
- Damage to valuables
What additional coverages are available with contents insurance?
Insurers often offer the option of insuring certain portable items, such as photo cameras, outside the home as well. This is called outdoor coverage.
Most insurers today also have the option of insuring smartphones and tablets. This is because damage to these items is often not covered by contents insurance. Previously, there was often coverage for this, but due to the many damages with tablets and smartphones, this has become a separate coverage.
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Contents insurance coverage during relocation
Are you shopping for another house or moving soon? Do you know about contents insurance during a move? It can happen that your belongings get damaged or even broken while moving. Your contents insurance coverage during a move may vary from one insurer to another. It could be that your household insurance has limited coverage during a move. Therefore, check the policy conditions well before your move.
What is always excluded from coverage?
Damage that was foreseeable is never covered on any insurance policy. This includes damage caused by overdue maintenance. Damage caused intentionally is also not covered.
Contents insurance also often does not cover damage caused by floods, earthquakes, violence and nuclear reactions.
Difference between liability insurance and contents insurance
What exactly is the difference between liability insurance and contents insurance? With contents insurance, damage to your own belongings is covered. Liability insurance covers damage caused by others.
What should I pay attention to when purchasing contents insurance?
Before taking out household contents insurance, it is important to check what is and is not covered and on what terms. This is described in the terms and conditions. The policy also often contains information about this. Always read the policy and policy conditions carefully, both before taking out the insurance and after receiving the policy. This way you know where you stand and there will be no surprises afterwards.
Of course, we can also inform you about this over the phone. You can contact us at telephone number 030-6883700. We can be reached by telephone between 08.00 and 18.00.
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