Have you recently remodeled?
Or do you have plans to remodel your home?
This is a great step. It requires good preparation and a period of hard work. After that, the enjoyment can begin! However, there is one more important step that many people forget; reporting changes and improvements to your home to us.
This is because the insurance company needs to know about changes to your home. This could affect your buildings insurance. The building insurance together with the contents insurance compensates damage in case of fire, storm and burglary.
Notifying changes is important
"Some insurers automatically include the adjustments, with others you have to pass it on manually. It is therefore important to pass on changes to us. Then we will make sure everything is properly arranged with your insurer. That way you won't have any surprises at the time you need coverage."
Jolanda van Ool - Berveling
Insurance advisor at Alpina Roerdalen
Once you have communicated the changes to us, we can also check immediately whether the coverage is still adequate. Some home modifications may require an adjustment in your insurance. Some people also choose additional insurance, for example for solar panels.
Premium
Due to improvements or changes to your home, the insurance premium may change. Every situation is different, which is why it is important to seek personal advice on this.
Property insurance insures everything attached in and to the house. It is important to check from time to time whether the insurance you have taken out still suits your current situation. The amount insured in the homeowners insurance policy should be the same as the value of your home when rebuilt.
The level of coverage determines your premium. You have a choice of fire-storm coverage, comprehensive coverage or all-risk coverage. Damage caused by fire, lightning, water from pipes, storm and burglary are usually covered. Sometimes, for example, damage caused by yourself may also be covered. Damage due to overdue maintenance and malicious intent is never covered.
Want to know more?
Want to know if your home insurance still suits your current situation? Or do you have another question about your home insurance? Feel free to contact us. We will be happy to help you.
