Should I request quotes for contents insurance?

When choosing home contents insurance, don't go for the first best option. Is it necessary to request quotes from multiple insurers or can it be more convenient?

When remodeling your home, get quotes from several contractors. This pays off because the differences are often significant. The same goes for insurance. For contents insurance, you can contact the insurer where you also have other policies. Better to compare several insurers. You can do that very easily! You do not need to request quotations from several insurers.

How do you compare multiple household insurance policies?

In the past, it was a matter of calling several insurers and getting quotes. Or you went to the local insurance office to have an insurance consultant do the comparison. Nowadays, of course, you simply do that online. Within a few minutes you will have the premiums and terms of different insurers in view when comparing online. In four steps, we explain how to compare contents insurance online.

Enter your zip code, house number and family composition

The amount of the premium depends, among other things, on which part of the Netherlands you live in. For example, in large cities the chance of damage due to a burglary, for example, is higher on average. Based on the family composition, insurers can form a picture of the value of the contents to be insured. A single person has less contents compared to a family with children.

What do you want to insure?

You can combine contents insurance with other policies. Often, contents insurance is combined with building insurance (for homeowners) and liability insurance. You can also take out additional legal expenses insurance and accident insurance. Combining multiple policies entitles you to a package discount. In this step you will also already see what the contents insurance and the other insurances will cost you.

Giving up further information about the house

There are other circumstances that affect whether or not you can insure your contents and other coverages. For example, if the house is not permanently occupied, there is a greater risk of burglary. Also, if the value of your contents exceeds €125,000, this is important information when buying contents insurance. You will also complete one final question. This relates to having a criminal record and whether you have ever had insurance changed or cancelled.

Fill in the missing personal information

The last step is to fill in your personal information. After this step, you can take out the insurance. Also in this step you indicate how the insurer should collect the premium. When paying monthly, quarterly or semi-annually, direct debit is mandatory.

Read also:

Is contents insurance mandatory?

What should I know about fire insurance for my home?

Can I easily compare household and liability insurance?

Does the contents insurance pay out the daily value or the new-for-old value?

How do I take out comprehensive household insurance?