What is contents insurance?
You can take out contents insurance to insure damage to your belongings or furniture. For example, damage caused by fire, burglary, water damage or vandalism. By household contents we mean all the things in your house that are easy to take with you. Home contents insurance is not mandatory, but it is highly recommended to take it out. In this article, we will take a closer look at what contents insurance is and exactly what it covers.
What is included in contents?
So a household contents insurance provides coverage for all your belongings present in your home. For example, furniture, appliances, jewelry, can or other valuables in your home. By household contents, we mean in short, all the things in your home that are not nail-bound and therefore easy to move. The things you take with you when you move, for example, are included in household contents. Your kitchen or bathroom, for example, are (in most cases) attached to your house. For these, you need to take out a separate home contents insurance policy. The coverage of contents is limited to indoors. However, you can take out outdoor coverage in many cases . Read about laptop and contents insurance here.
Why have contents insurance?
Although household contents insurance is not mandatory, it is certainly not an unnecessary luxury. Damage to your belongings cannot always be prevented, even if you are so careful. Contents insurance often provides coverage up to a certain amount. This value largely determines the premium of your home contents insurance. The higher the value of your household contents, the higher the premium you pay. But how do you determine the value of your household contents? That is sometimes not easy. That's why there are handy tools, such as the household contents value meter. When filling in the contents value meter, it is important that you enter the correct value of your household contents. If you enter too low a value, you risk underinsurance. Do you provide too high a contents value? If so, you may end up paying a higher premium.
Taking out household contents insurance? Calculate your premium!
Moving house? Check your household insurance
When you are moving, it is important to inform your insurance company in a timely manner. You can easily take contents insurance with you to your new home. You do not need to take out a new household contents insurance. However, the insurer needs to know your new address. Would you like to pass on a change of address to us? We will ensure that your insurer is updated. However, it is a good time to review your insurance policies and possibly revise them. The value of your household contents may have changed. Then this is a good time to review your insurance.
Content insurance premium
The premium of a household insurance policy is the amount you pay monthly (or other period) to the insurer. How high this premium is depends on which coverage you choose and your personal situation. The value for which you want to be insured also determines your premium.
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