Is the building insured in a rented house?
As a property owner, you are responsible for taking out buildings insurance. Also when you rent out the house. A building insurance covers damage to your home and the immovable goods that belong to it (things that cannot be moved or are fixed on the ground). Think for example of a built-in kitchen and a shed or fence that belongs to the house. Often there are a number of conditions for taking out buildings insurance for a rented house. We will explain it to you.
Rented accommodation insurance
If you buy a property with a mortgage, the bank requires you to take out buildings insurance for the property. This way they know for sure that you will still be able to pay the mortgage if your house burns down, for example. Even if you have a house without a mortgage, it is wise to take out building insurance. With home insurance your home is insured against damage caused by fire, storm, burglary and vandalism. Even if you own a house and rent it out, you are responsible for insuring the property. As a landlord you are liable for the property. Taking out building insurance for a rented property is the same as for your own home, the difference being that you have to inform the insurer that you are renting it out.
Conditions for insuring a rented property
Each insurer has its own conditions for taking out building insurance. Before you take out building insurance, it is therefore important that you know whether you and your home meet these conditions. It may be that some things are excluded from coverage when it comes to a rented house. Some insurers only allow you to rent out your house temporarily, for a maximum number of days. An insurer will also look at whether you rent out the entire property or just a number of rooms. It is also important to know who you are renting out the house to. Most insurers accept a couple or a family as tenants, but a group of students, for example, is often excluded from coverage. Also a combination of several groups is not always accepted. Always check the policy conditions. Sometimes an insurer will accept certain items, but at a higher premium.
Take out building insurance directly through Alpina
Are you looking for a building insurance for your rental property? Use our handy online comparison tool to find the building insurance that best suits your home. After entering a few details about the house, you will get a handy overview of all providers, including the corresponding premiums and conditions. Read the conditions carefully before making your choice, so you know for sure how you are insured and what items are excluded from coverage. When you have found the right building insurance, you can immediately apply for it online.
Would you like to know more about home insurance or do you have any questions? Then please do not hesitate to contact us. You can reach us Monday to Friday from 08.00 to 18.00 on 030 - 688 37 00. You can also send us your question via chat, WhatsApp or Messenger.
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