Property insurance
Which cover suits you?
Which cover suits you?
Basic
- Fire damage
- Break-in and vandalism
- Damage due to adverse weather conditions
- Damage caused by sudden unforeseen events
All-risk
- Fire damage
- Break-in and vandalism
- Damage due to adverse weather conditions
- Damage caused by sudden unforeseen events
We compare different insurers
With home insurance, called "opstalverzekering" in insurance terms, you insure against damage to your home and its immovable goods (things that cannot be moved, or are earth- and nail fixed). For example, a built-in kitchen and a shed or fence that belongs to the house.
What is a building insurance?
Building insurance is an insurance that covers damage to your home. Building insurance means everything that cannot be removed without damage to your own home. A large number of possible causes of damage are insured. Think for example of:
- fire and/or extinguisher damage
- smoke and soot damage
- damage caused by explosion
- Flooding (no dike failure)
- lightning strike
- storm (from wind force 7)
- precipitation and frost
- burglary and theft
What exactly does it cover?
Property insurance covers everything that is fixed in and to the house. This includes pipes, central heating, the bathroom and the toilet. Damage you cause to your house is not insured. For this you need an all-risk coverage. In general, damage is only compensated if it is an 'uncertain event'. Damage caused by an earthquake, nuclear reaction or volcanic eruption, for example, is excluded. Of course, a volcanic eruption will not happen in the Netherlands, but if you live in a province where earthquakes sometimes occur, it is wise to take this into account when taking out a building insurance. It helps to look closely at the conditions and exclusions. Also if your house has special elements, such as stained glass.
Frequently asked questions about home insurance
The cost of building insurance is different for everyone. The amount of the premium depends on several factors:
- the type of dwelling
- the construction of your house (the roof and the walls)
- the reinstatement value
- The selected coverage
- the own risk
- place of residence/region of residence
The annual costs of building insurance are therefore different for each household. For special buildings, conditions and premiums may differ. According to the Vereniging Eigen Huis, the average premium for building insurance amounts to € 1.30 per € 1,000 of insured value. So for a house with a reinstatement value of € 250,000 you pay on average € 325 per year (including insurance tax € 393.25). But by making a good comparison, you can often insure your house much cheaper.
Damage to your home can quickly run into costs. For example, if you have fire damage in the kitchen due to a short circuit. Or if the bathroom is completely flooded by a broken tap. With a building insurance you don't have to worry about this, because such situations are covered. A condition is that the damage could not have been prevented. All damage in your home caused by something you cannot do yourself, you can claim from your insurer.
The starting point for a building insurance is the reinstatement value of your home. The reinstatement value is the maximum amount that the insurer will pay out. Due to a fire your house can be completely destroyed. Based on the reinstatement value it is determined for which amount you have to insure your house. The reinstatement value is the amount needed to rebuild your home, in the same place and manner. Because the location and the land are not lost in a fire, you do not need to insure them and they do not count towards the reinstatement value. Therefore, the reinstatement value is often lower than the sales value.
When to close?
Home insurance is always useful, but if you are trying to get a mortgage for a house, home insurance may be required. A fire can completely destroy your house. This can cause serious problems. In the worst case, you may no longer have a home, but still have a mortgage debt of possibly hundreds of thousands of euros. To prevent problems, the bank that provides the mortgage requires you to take out buildings insurance.
Compare Insurance
Want to compare home insurance policies? At Alpina, you can easily and quickly compare premiums by price and content. That way, you can find out which insurance is best for you. When comparing home insurance, there are several premium determinants:
- The selected coverage
- Your postal code
- Your family situation
Close now
Do you want to take out home insurance? Then you have come to the right place at Alpina. At Alpina you always get the most complete insurance at the right price. Do you have any questions about insurance? Please contact us or request a no-obligation quote.
Also see all frequently asked questions on building insurance.
Mandatory
Building insurance is not required by law. However, if you need a mortgage to finance a house, the lender will require this insurance. In addition, building insurance is very important. Fire damage, for example, can completely destroy your home and the damage is incalculable.
Compare Insurance
Want to compare home insurance policies? At Alpina, you can easily and quickly compare premiums by price and content. That way, you can find out which insurance is best for you. When comparing home insurance, there are several premium determinants:
- The selected coverage
- Your postal code
- Your family situation
Close now
Do you want to take out home insurance? Then you have come to the right place at Alpina. At Alpina you always get the most complete insurance at the right price. Do you have any questions about insurance? Please contact us or request a no-obligation quote.
Also see all frequently asked questions on building insurance.
Mandatory
Building insurance is not required by law. However, if you need a mortgage to finance a house, the lender will require this insurance. In addition, building insurance is very important. Fire damage, for example, can completely destroy your home and the damage is incalculable.
Home insurance for a VVE
If you live in an apartment building together with other residents, you most likely have an Owners' Association (VvE). The VVE takes care of the communal maintenance of the apartment complex. As residents, you pay a monthly contribution to the VVE. The VVE also takes care of building insurance for the entire building. You do not have to arrange this yourself. In principle, a VvE building insurance does not differ much from an individual building insurance. They both cover the same types of damage. What is the difference? With the VVE, every resident is covered under the same building insurance.
What is covered by a building insurance?
For building, there are four coverages that you will often come across, namely:
- the fire cover
- Comprehensive cover (often abbreviated to UGV)
- the extended risk cover plus (UGV+)
- the all-risk cover (often mentioned most extensively)
Through Alpina (a also most other intermediaries), fire coverage and UGV coverage are no longer available. Simply because we don't want you to face any surprises in case of damage.
With the UGV+ cover, there is coverage for all occurrences, which are mentioned in the policy values. With all-risk cover, all incidents are covered unless they are excluded in the terms and conditions. There can be great differences here.
It is therefore important to carefully examine the policy conditions, as the exact coverage may differ per insurer. The most common damages (such as explosion, fire, lightning strike, falling trees) are insured under both the UGV+ and the all-risk cover.
Often, the costs of preventing further damage are also covered, as well as the costs of cleaning up damage. These are often reimbursed up to a maximum amount. See also our article "What exactly is the coverage of a building insurance".
Basic or all-risk coverage
Through Alpina, you can purchase two coverages for your home insurance: basic coverage and all-risk coverage. To find the best buildings insurance, it is important to look carefully at your personal situation. What type of home do you have? What is the reinstatement value? Underinsurance occurs when the actual rebuilding value of your home is higher, than the value you have insured. This can cause problems in the event of a claim. With many insurers you can insure yourself against underinsurance. Often you have to fill in the reinstatement value meter at predetermined moments. These moments may differ from one insurer to another.
Calculate
With our online comparison tool, you can easily calculate the premium for your building insurance. To do so, you need to fill in some details about your home, such as the year of construction and the type of home. You can then compare different insurers. Pay attention not only to the price, but also to the content. Take a good look at all policy conditions and exclusions, so you can be sure that you get the best home insurance.
Own risk
You can find cheap building insurance by comparing different insurers. You should also look at the deductible. With every insurance you can have an own risk.
An own risk means that in case of damage you have to pay part of the damage yourself. There is a difference between a compulsory and a voluntary excess. In most cases a compulsory excess does not apply to buildings insurance. If there is a mandatory excess, it is often an amount of around €100 or €150. With a number of insurers you can choose a voluntary excess. With a voluntary excess, you can choose how high your excess is. The rule is: the higher the excess, the lower the premium.
Basic or all-risk coverage
Through Alpina, you can purchase two coverages for your home insurance: basic coverage and all-risk coverage. To find the best buildings insurance, it is important to look carefully at your personal situation. What type of home do you have? What is the reinstatement value? Underinsurance occurs when the actual rebuilding value of your home is higher, than the value you have insured. This can cause problems in the event of a claim. With many insurers you can insure yourself against underinsurance. Often you have to fill in the reinstatement value meter at predetermined moments. These moments may differ from one insurer to another.
Calculate
With our online comparison tool, you can easily calculate the premium for your building insurance. To do so, you need to fill in some details about your home, such as the year of construction and the type of home. You can then compare different insurers. Pay attention not only to the price, but also to the content. Take a good look at all policy conditions and exclusions, so you can be sure that you get the best home insurance.
Own risk
You can find cheap building insurance by comparing different insurers. You should also look at the deductible. With every insurance you can have an own risk.
An own risk means that in case of damage you have to pay part of the damage yourself. There is a difference between a compulsory and a voluntary excess. In most cases a compulsory excess does not apply to buildings insurance. If there is a mandatory excess, it is often an amount of around €100 or €150. With a number of insurers you can choose a voluntary excess. With a voluntary excess, you can choose how high your excess is. The rule is: the higher the excess, the lower the premium.
New construction
For the content of a building insurance it does not matter whether you buy a new house or an existing house. The content of the insurance remains the same. The time of conclusion also remains the same. You should make sure that you have taken out all the necessary insurance before the key transfer. If you are buying an existing house, the insurance is the responsibility of the occupants from whom you buy the house until the key transfer takes place. If you are buying a newly built property, the house does not have any occupants yet, of course. In that case the construction company that builds the house is responsible for the house until the key transfer.
Flat
Whether you need building insurance for your flat depends on whether you have bought or rented it. If you have bought a flat, it is up to you to take out building insurance for it. It may be that you have to arrange this yourself or that it is arranged via the VVE. Have you rented a flat? Then you don't have to take out building insurance yourself. The owner of your flat is the landlord and therefore responsible. Keep in mind that you will have to pay for damage to your belongings, such as furniture and clothing.
Rented house
If you have a rented house, you are not the owner of the property. Do you still have to take out building insurance? In case of a rented house the landlord is responsible for taking out a building insurance. You do not have to take out building insurance yourself. To protect your possessions, such as furniture and clothing, you can take out contents insurance. This way you can be sure that you are fully insured in case of fire or water damage, for example.
New construction
For the content of a building insurance it does not matter whether you buy a new house or an existing house. The content of the insurance remains the same. The time of conclusion also remains the same. You should make sure that you have taken out all the necessary insurance before the key transfer. If you are buying an existing house, the insurance is the responsibility of the occupants from whom you buy the house until the key transfer takes place. If you are buying a newly built property, the house does not have any occupants yet, of course. In that case the construction company that builds the house is responsible for the house until the key transfer.
Flat
Whether you need building insurance for your flat depends on whether you have bought or rented it. If you have bought a flat, it is up to you to take out building insurance for it. It may be that you have to arrange this yourself or that it is arranged via the VVE. Have you rented a flat? Then you don't have to take out building insurance yourself. The owner of your flat is the landlord and therefore responsible. Keep in mind that you will have to pay for damage to your belongings, such as furniture and clothing.
Rented house
If you have a rented house, you are not the owner of the property. Do you still have to take out building insurance? In case of a rented house the landlord is responsible for taking out a building insurance. You do not have to take out building insurance yourself. To protect your possessions, such as furniture and clothing, you can take out contents insurance. This way you can be sure that you are fully insured in case of fire or water damage, for example.
What to do in case of leakage?
In principle,leakage falls under the coverage of a building insurance, but there are a number of conditions attached to this. The damage has to be caused by one of the following causes:
- Leaks in the central heating system, water pipes or installations connected to them.
- Leaks caused by freezing of central heating or water pipes.
- Damage caused by a neighbour's leak is not always covered. If your building insurance does not cover it, you may be able to recover the damage from the neighbour's liability insurance.
- Due to leakage of roofs or gutters.
- Water damage due to storm
House with thatched roof
With a thatched roof, you run an increased risk of fire and storm damage. Fortunately, you can take out buildings insurance for your thatched roof. A thatched roof falls under the coverage of a building insurance. It is important to weigh the conditions of different insurers against each other. An insurer may have a higher premium or different conditions due to the higher risk of a thatched roof.
What to do in case of leakage?
In principle,leakage falls under the coverage of a building insurance, but there are a number of conditions attached to this. The damage has to be caused by one of the following causes:
- Leaks in the central heating system, water pipes or installations connected to them.
- Leaks caused by freezing of central heating or water pipes.
- Damage caused by a neighbour's leak is not always covered. If your building insurance does not cover it, you may be able to recover the damage from the neighbour's liability insurance.
- Due to leakage of roofs or gutters.
- Water damage due to storm
House with thatched roof
With a thatched roof, you run an increased risk of fire and storm damage. Fortunately, you can take out buildings insurance for your thatched roof. A thatched roof falls under the coverage of a building insurance. It is important to weigh the conditions of different insurers against each other. An insurer may have a higher premium or different conditions due to the higher risk of a thatched roof.
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