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Building insurance

With buildings insurance, you insure damage to your home and yard from such things as fire, burglary, storm and lightning. All immovable (nailproof) items such as a built-in kitchen, a parquet floor and shed are covered by the building insurance.

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All about building insurance

Building insurance or "home insurance" is insurance that covers damage to your home. Build-up includes everything attached in and to the house. These parts of your home require demolition or breaking to remove them.

Consider the windows, ceilings, pipes, central heating, bathroom, doors and walls. Fences, garden fences, hedges and planted trees are also included in the property.

Detached items that you take with you when you move such as the washing machine, a detached bathroom cabinet or the curtains are included in your household contents.

Your home insurance coverage

All-risk

Fire damage
Burglary and vandalism
Damage due to adverse weather conditions
Damage due to sudden unforeseen events

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All-risk contents insurance

With the all-risk contents insurance you are well insured against most types of damage. For example, you are insured against damage caused by an explosion, fire, lightning or a fallen tree. Often the costs of preventing more damage or cleaning up damage are also covered.

If you have all-risk home insurance, these costs are usually reimbursed up to a certain amount. With this insurance you are also insured for damage caused by unexpected events. Even if you accidentally damage your home yourself, you are covered.

Further storm damage (from wind force 7), water damage, theft and burglary damage are also covered. Even if nothing has been stolen and there is only burglary damage.

This is insured with a home insurance policy

With building insurance, you cover different types of damage. If you cause this damage to your home yourself, you are also insured with all-risk coverage.

You can cover the following types of damage with buildings insurance:

fire and/or fire damage

smoke and soot damage

blast damage

flooding (no dike breach)

lightning strike

storm (from wind force 7)

precipitation and frost

burglary and theft

Usually damage is only compensated if it is an "uncertain event. Damage caused, for example, by an earthquake, atomic nuclear reaction or volcanic eruption are excluded in the terms and conditions.

Glass insurance as a supplement

The windows of the house are often not included in the standard insurance, but you can insure them separately. To do so, take out glass insurance.

Look carefully at conditions and exclusions. Especially if your home has special features such as stained glass.

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"Comparing home insurance almost always pays off. Premiums may have increased or your personal situation may have changed. That's why we recommend comparing your home insurance every year."

Linda - Private insurance expert

Expert private insurance for years

Calculate value of contents

When you buy homeowners insurance, you need to know what your house is worth. This is the rebuilding value: the amount you need to rebuild your house as it is now.

The rebuild value meter helps to calculate the reconstruction value of the building in an easy way.

This does not include the foundation of the house. If the foundation is damaged, a new foundation must be made when rebuilding the house. However, most building insurance policies allow you to co-insure the foundation for an additional premium.

Prevent underinsurance with the rebuilding value meter

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.

Many insurers allow you to insure yourself against underinsurance. Often you have to fill in the reinstatement value meter at predetermined times. Usually this is once every 5 years.

Calculation example underinsurance

Suppose you have buildings insurance for €150,000 and rebuilding the house costs €300,000. Then you are insured for 50% of the value. So if there is damage, you will also only get back 50% of the claim amount, no matter how much damage there is.

Home insurance required for mortgage

Property insurance is useful and often mandatory when you take out a mortgage. Fire can (seriously) destroy your house and cause many problems. Sometimes you then no longer have a house, but still have a high mortgage debt. That's why the bank usually wants you to have buildings insurance.

Property insurance for type of home or situation

Apartment

Whether you need buildings insurance for your apartment depends on whether you bought or rented the apartment.

If you have bought an apartment, you must arrange your own buildings insurance for your apartment. Sometimes you have to arrange this yourself, sometimes the Association of Owners (VVE) does this for you. Read more about building insurance VVE.

Have you rented an apartment? Then you don't have to take out your own property insurance. This is because the owner of your apartment is the landlord and therefore responsible.

Damage to your belongings such as furniture and clothing you pay for yourself. Therefore, add owner's interest if you buy a house or renter's interest if you rent to your contents insurance.

Rental property

If you have a rental property, do you still need to purchase buildings insurance? In that case, the landlord is responsible for taking out buildings insurance. So you do not have to take out your own buildings insurance.

To protect your possessions, however, you can take out contents insurance. Like your furniture and clothes, This way you can be sure that you are fully insured in case of fire or water damage, for example.

New construction

It doesn't matter whether you buy a new home or an existing home for homeowners insurance. The insurance coverage remains the same. The time when you take out the insurance doesn't change either. Make sure you have all the necessary insurance in place before you get the keys.

If you buy a house that already exists, the current occupants are responsible for insurance until you get the keys. If you are buying a newly built home, there are no occupants yet. In that case, the construction company building the house is responsible for the house until you get the keys.

House with thatched roof

With a thatched roof, you have an increased risk of fire and storm damage. Fortunately, you can take out buildings insurance for your thatched roof. This is because a thatched roof falls under the coverage of buildings insurance.

Compare the terms and conditions of different insurers. An insurer may have a higher premium or different terms and conditions because of the higher risk of a thatched roof.

Property insurance deductible level

You can find cheap home insurance by comparing different insurers. You should also look at the deductible. With every insurance you can have a deductible. A deductible means that in case of damage, you have to pay for part of the damage yourself.

A distinction is made between a mandatory and a voluntary deductible. With home insurance there is usually no obligatory deductible excess. If there is, this is often an amount around €100 or €150.

With some insurers, you choose your own deductible and how high the amount is. Here, the higher your deductible, the lower your premium.