Is my barbecue lounge set or porch insured?
Many people are not going on vacation this summer. They spend their vacation money on a comfortable lounge set, a luxury bbq or a nice porch with outdoor kitchen. But is all that insured? Read all about contents insurance and home insurance in this blog.
Home Insurance
Contents insurance and home insurance together make up home insurance. This covers damage caused by fire, storm or attempted burglary, for example. How extensive the coverage of your home insurance varies per insurer. So don't only look at the price per month, but also check the conditions.
Property insurance: for everything fixed
Building insurance reimburses the most common damages to your home, garage or shed. The garden house or veranda in your garden are also covered. And if you install a fixed outdoor kitchen, that is also part of the building insurance. In case of burglary damage, water damage or fire, the costs are covered.
Solar panels
Your solar panels or solar collectors are also covered by buildings insurance. It does not matter whether they are mounted on the roof or in the garden. You are only not insured if the panels are incorrectly attached.
Built-in pool or jacuzzi
If you have an in-ground pool or a permanent Jacuzzi, these are also included in your homeowners insurance. All accessories, such as tarps and lighting are simply included. Only frost damage is usually not covered, so it is important to drain all the water from the pipes in winter.
Contents insurance
Contents insurance covers damage to items in your home and shed that are not "earth and nail fixed. So your furniture, clothing and home accessories, but also valuables such as jewelry and televisions. Some insurers also include your pets in their 'belongings'.
Is the bbq garden furniture?
Most contents insurance policies cover damage in the garden or on the balcony. For example, if your garden furniture is stolen or the garden tools, and even if your laundry is taken off the line by someone else, you are covered by contents insurance. But an expensive Green Egg, a Weber or other barbecue is usually not covered. According to insurers, that's not garden furniture.
Outdoor coverage
It is wise to check with your insurer to see how well you are insured outdoors. You may need to purchase additional outdoor coverage to insure expensive items in the yard. Expensive items, such as smartphones, tablets and sunglasses, usually have separate additional coverage.
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