Never underinsured
Never underinsured
14-day cooling-off period
14-day cooling-off period
8.1
Insurance assessment
contents insurance

Compare household contents insurance: insure your household contents directly!

Never underinsured
Never underinsured
14-day cooling-off period
14-day cooling-off period
8.1
Insurance assessment

Which cover suits you?

Fire damage
Theft and burglary
Collision and falling of trees
Damage by falls and bumps
i In addition to compensation, we also reimburse the costs you have to incur to prevent or limit damage, such as salvage costs, costs of emergency provisions, clearance costs, clean-up costs, costs of replacement accommodation, extra living expenses and temporary storage.
Most comprehensive
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Which cover suits you?

Extensive

  • Fire damage
  • Theft and burglary
  • Collision and falling of trees
  • Damage by falls and bumps
    i In addition to compensation, we also reimburse the costs you have to incur to prevent or limit damage, such as salvage costs, costs of emergency provisions, clearance costs, clean-up costs, costs of replacement accommodation, extra living expenses and temporary storage.
Calculate Premium

Most comprehensive

  • Fire damage
  • Theft and burglary
  • Collision and falling of trees
  • Damage by falls and bumps
    i In addition to compensation, we also reimburse the costs you have to incur to prevent or limit damage, such as salvage costs, costs of emergency provisions, clearance costs, clean-up costs, costs of replacement accommodation, extra living expenses and temporary storage.
Calculate Premium

Home contents insurance is actually indispensable. The things in the house can be damaged in many different ways. For example by fire, lightning strike, storm, burglary or flood. With contents insurance, the damage is compensated by the insurer and the damaged items can be repaired or replaced. Would you like to know whether you should take out contents insurance?

What is household insurance?

With contents insurance, your possessions are insured in case of damage. Household effects mean all items in your home that are not fixed and can therefore be moved. Think about furniture, clothing and appliances. In simple terms, these are all the items that are easy to take with you when you move house. Damage to your household effects can be caused by fire, flooding, burglary or vandalism. Items that are fixed to your home, such as a built-in kitchen, should be insured separately with a building insurance.

Why take out home contents insurance?

You may wonder whether you need home insurance because you don't have expensive furniture or a rare collection. Yet all your possessions add up to a lot of money. Suppose a fire breaks out in your home and a lot of your stuff is lost or a burglary occurs and all your electronic devices are stolen. If you have to replace all these things at once, it can cost a lot of money. For this reason it may be worthwhile to take out home contents insurance. Moreover, damage to your belongings is not always preventable, even if you are very careful. Damage caused by severe weather, for example, is something you cannot always do something about. The terms and conditions of your insurance policy describe the causes in which an insurer will pay compensation. They also describe when there is no coverage.

Frequently asked questions about household insurance

What does home insurance cost?

The cost of home insurance depends on a number of factors.

  • Your family situation
  • Sum insured
  • Type of coverage
  • Town/City
  • Burglary protection
  • Building material
  • Own risk

For example: A large house for sale will contain more things than a smaller rental flat. A family usually has more things than a single person, so the costs for a family are naturally higher. Furthermore, Amsterdam, for example, is an expensive region, because more break-ins occur there than in a small village in the countryside.

When should you take out contents insurance?

It is sensible to take out contents insurance as soon as you have your own belongings in a property. It does not matter whether the house is bought or rented. A good time to take out home contents insurance is when you move house. Of course you want your belongings in your new home well insured, if something unexpected happens. Do you already have home contents insurance? Then a move is a good time to review it. Always inform the contents insurer of your new address. Do you have new furniture or new appliances? Then the value of your household contents may change.

Which contents insurance is the best?

Which contents insurance policy is best for you depends entirely on your personal situation. Do you want to insure your possessions as much as possible? Then it is best to take out household contents insurance. You can also take out a number of additional insurance policies, such as home insurance or valuables insurance. Often the contents insurance is concluded together with a building insurance or a liability insurance. When you take out several home insurance policies, you will benefit from a package discount.

What is cheap contents insurance?

Finding cheap household insurance? Then it's best to compare household insurance policies. At Alpina.nl you can quickly and easily compare household insurance policies by filling in a few questions. The calculation module does the rest for you. You can also view the policy values and compare them if you wish. On our website, all options are clearly listed for you. Have you found a cheap home contents insurance? Then you can choose to take it out immediately. If you actually want to make an application, please mention any details so that we can submit the application directly to the right insurer.

What is the best home contents insurance?

With so many different kinds of household insurance, it is sometimes difficult to pick out the best. Because what is the best home contents insurance? That depends entirely on your personal situation and the coverage you choose. If you choose the basic coverage, damage to your household contents by fire, water, theft and vandalism will be covered. In addition to the basic coverage, you can take out additional coverage, such as an exterior coverage or a valuables insurance. The most extensive coverage for your household contents insurance is the all-risk coverage. Take a good look at the value of your possessions and your personal situation to find the best home contents insurance.

Is household insurance mandatory?

Contents insurance is not compulsory, but it is highly recommended. Even if you do not own expensive jewellery or an expensive collection, your household contents are worth a lot of money. Imagine that a fire in your home forces you to replace all of it at once. Then you would lose a lot of money. You are insured for this with contents insurance. The monthly costs for the insurance premium are much lower than if you suddenly had to replace all your possessions.

View all frequently asked questions

What does household contents insurance cover?

The coverage of a contents insurance includes all movable objects in the house. Movable property is property in the home that can be moved. For example, your sofa, bed and television are part of your household effects. The kitchen is not, because in principle it cannot be moved easily and without causing damage. Floating parquet, for example, is part of the contents, but glued parquet is not. The contents are usually insured at new-for-old value. There are various types of cover, but the most common are the Comprehensive Vehicle cover (UGV), the UGV+ and the Most Comprehensive Vehicle cover or the all-risk cover.

Compare contents insurance premiums online

Calculate contents insurance

With our online tool, you can easily calculate the premium for a household insurance. To do so, you need to fill in some details about your home and its contents, such as the year of construction and the type of home. To be able to calculate the premium for your household contents insurance, you need to know what the value of your household contents is. For this you can use the content value meter. The household value meter is based on various studies into the value of the contents of a large number of households in the Netherlands.

Compare contents insurance

With Alpina's online comparison tool, you can easily and quickly compare household insurance on price and quality. By comparing contents insurance, you will find out which insurance policy is best for you. Factors that play an important role in determining the premium:

  • The coverage
  • The number of accumulated claim-free years
  • Your age
  • Your postal code

Take out contents insurance

On our website, you can easily compare household insurances. After entering a few details, a number of insurance policies will appear that are tailored to your needs, together with the corresponding premiums and policy conditions. Once you have found a household insurance policy that suits you and your family well, you can take out the policy online immediately. Are you having problems or do you have any questions? You can reach us from Monday to Friday between 08:00 and 18:00 on telephone number 088-6883700. We will be happy to help you!

See also our Frequently Asked Questions on household insurance.

Calculate contents insurance

With our online tool, you can easily calculate the premium for a household insurance. To do so, you need to fill in some details about your home and its contents, such as the year of construction and the type of home. To be able to calculate the premium for your household contents insurance, you need to know what the value of your household contents is. For this you can use the content value meter. The household value meter is based on various studies into the value of the contents of a large number of households in the Netherlands.

Compare contents insurance

With Alpina's online comparison tool, you can easily and quickly compare household insurance on price and quality. By comparing contents insurance, you will find out which insurance policy is best for you. Factors that play an important role in determining the premium:

  • The coverage
  • The number of accumulated claim-free years
  • Your age
  • Your postal code

Take out contents insurance

On our website, you can easily compare household insurances. After entering a few details, a number of insurance policies will appear that are tailored to your needs, together with the corresponding premiums and policy conditions. Once you have found a household insurance policy that suits you and your family well, you can take out the policy online immediately. Are you having problems or do you have any questions? You can reach us from Monday to Friday between 08:00 and 18:00 on telephone number 088-6883700. We will be happy to help you!

See also our Frequently Asked Questions on household insurance.

Compare contents insurance premiums online

Home contents insurance for a telephone

Whether a mobile phone is also insured under a contents insurance policy varies from one insurer to another. Standard home contents insurance policies often do not cover dropping or bumping a mobile phone. With some insurers it is included in the insurance and with some it is only insured with comprehensive coverage. Therefore, always look carefully at the conditions of your insurance. Do you want to be sure that damage or theft of your phone is insured everywhere? Then take out an exterior coverage. In case of theft outside your home, you will be reimbursed for the damage. The insurance does not only apply to the smartphone. It also applies to other parts of your household effects.

Home contents insurance for a student

Contents insurance for students is not compulsory by law, but it is certainly advisable. By taking out household contents insurance you are insuring your unloaded goods/items in your house or room. You can think of your laptop, furniture, clothing, television and much more.

Home contents insurance for an iPad/tablet

If you have dropped your iPad or tablet, it is of course very annoying if it is broken. If you assume that the damage is covered by your contents insurance, you are often disappointed. Because the coverage differs per insurance company, we always recommend to read the policy conditions carefully.

Home contents insurance for a telephone

Whether a mobile phone is also insured under a contents insurance policy varies from one insurer to another. Standard home contents insurance policies often do not cover dropping or bumping a mobile phone. With some insurers it is included in the insurance and with some it is only insured with comprehensive coverage. Therefore, always look carefully at the conditions of your insurance. Do you want to be sure that damage or theft of your phone is insured everywhere? Then take out an exterior coverage. In case of theft outside your home, you will be reimbursed for the damage. The insurance does not only apply to the smartphone. It also applies to other parts of your household effects.

Home contents insurance for a student

Contents insurance for students is not compulsory by law, but it is certainly advisable. By taking out household contents insurance you are insuring your unloaded goods/items in your house or room. You can think of your laptop, furniture, clothing, television and much more.

Home contents insurance for an iPad/tablet

If you have dropped your iPad or tablet, it is of course very annoying if it is broken. If you assume that the damage is covered by your contents insurance, you are often disappointed. Because the coverage differs per insurance company, we always recommend to read the policy conditions carefully.

Content insurance for a flat

It doesn't matter whether you rented or bought your flat: you want to insure your (valuable) possessions. Content insurance ensures that your possessions, such as your furniture, appliances, clothing, etc. are properly insured in the event of damage from fire or theft. Not everyone takes out household contents insurance. This is because it is not compulsory insurance. People think they do not need it or it is simply forgotten. Nevertheless, we strongly recommend taking out household contents insurance. Your possessions are worth more than you think.

Home contents insurance for a rented house

When you buy a house, you need both a building insurance and a contents insurance. But if you rent a house, you do not need building insurance. These are costs the landlord already pays. However, contents insurance is recommended if you rent a flat or house, although it is not obligatory. When renting a house, you have to deal with tenant's interest. This includes improvements you have made to the house yourself, but which you leave behind when you move out. These are, for example, improvements to the bathroom or kitchen. You have paid for these yourself, making them your property. But a bathroom or kitchen is not something you take with you when you move house, it is attached to the house. Normally this is covered by a building insurance, but in a rented house you don't have any building insurance yourself. With the tenant's interest you can include improvements you have made in your home contents insurance.

Content insurance in a student house

Has your child just moved out? Then his or her belongings are no longer covered by your home contents insurance. If your child is registered at a different address, they will have to take out home contents insurance for that address. Take a good look at the insurer's conditions regarding a student house. Especially the sharing of common areas makes the risk higher for insurers. How do you know which belongings originally belong to whom? Who needs to take out contents insurance for these items? And who is paid in the event of damage? In addition, the risk of burglary or theft in student accommodation is much greater. That is why many home contents insurers demand that the student room has to be able to be locked. The insurer may also require roommates to take out insurance for their rented room.

Content insurance for a flat

It doesn't matter whether you rented or bought your flat: you want to insure your (valuable) possessions. Content insurance ensures that your possessions, such as your furniture, appliances, clothing, etc. are properly insured in the event of damage from fire or theft. Not everyone takes out household contents insurance. This is because it is not compulsory insurance. People think they do not need it or it is simply forgotten. Nevertheless, we strongly recommend taking out household contents insurance. Your possessions are worth more than you think.

Home contents insurance for a rented house

When you buy a house, you need both a building insurance and a contents insurance. But if you rent a house, you do not need building insurance. These are costs the landlord already pays. However, contents insurance is recommended if you rent a flat or house, although it is not obligatory. When renting a house, you have to deal with tenant's interest. This includes improvements you have made to the house yourself, but which you leave behind when you move out. These are, for example, improvements to the bathroom or kitchen. You have paid for these yourself, making them your property. But a bathroom or kitchen is not something you take with you when you move house, it is attached to the house. Normally this is covered by a building insurance, but in a rented house you don't have any building insurance yourself. With the tenant's interest you can include improvements you have made in your home contents insurance.

Content insurance in a student house

Has your child just moved out? Then his or her belongings are no longer covered by your home contents insurance. If your child is registered at a different address, they will have to take out home contents insurance for that address. Take a good look at the insurer's conditions regarding a student house. Especially the sharing of common areas makes the risk higher for insurers. How do you know which belongings originally belong to whom? Who needs to take out contents insurance for these items? And who is paid in the event of damage? In addition, the risk of burglary or theft in student accommodation is much greater. That is why many home contents insurers demand that the student room has to be able to be locked. The insurer may also require roommates to take out insurance for their rented room.

Compare contents insurance premiums online

Content insurance in case of anti-squatting

Even if you live as an anti-squatter, you want to insure your belongings properly. However, some insurers are rather reluctant to insure an anti-squatting house. They do not know for how long you will need the contents insurance. You can be evicted at any time. Short-term insurance or early termination of an insurance policy costs the insurer a lot of money. Furthermore, many insurers regard anti-squatting as unsafe. They assume that there is a higher risk of damage. Therefore, the premium is often a bit higher for anti-squatting.

Moving home contents insurance

During a move, belongings can easily be damaged. The coverage of your household contents insurance may differ per insurer. It is possible that your household contents insurance only has limited coverage during a move. Check your policy conditions well before your move. This way you avoid surprises.

Content insurance without excess

With some insurers, you can take out household contents insurance without an excess. Whether it is wise to choose an excess for the contents insurance depends on your personal and financial situation. A high excess is not always wise or unwise. What you should think about is whether you can easily bear this excess in case of damage, for instance several times a year.

Content insurance in case of anti-squatting

Even if you live as an anti-squatter, you want to insure your belongings properly. However, some insurers are rather reluctant to insure an anti-squatting house. They do not know for how long you will need the contents insurance. You can be evicted at any time. Short-term insurance or early termination of an insurance policy costs the insurer a lot of money. Furthermore, many insurers regard anti-squatting as unsafe. They assume that there is a higher risk of damage. Therefore, the premium is often a bit higher for anti-squatting.

Moving home contents insurance

During a move, belongings can easily be damaged. The coverage of your household contents insurance may differ per insurer. It is possible that your household contents insurance only has limited coverage during a move. Check your policy conditions well before your move. This way you avoid surprises.

Content insurance without excess

With some insurers, you can take out household contents insurance without an excess. Whether it is wise to choose an excess for the contents insurance depends on your personal and financial situation. A high excess is not always wise or unwise. What you should think about is whether you can easily bear this excess in case of damage, for instance several times a year.

Home contents insurance with a criminal record

With a criminal record, it is a lot harder to take out contents insurance. Insurers carry out a risk analysis. They examine in advance how big the risk is that they have to pay out compensation. If you have a criminal record, they consider that to be an increased risk. They actually assume that a person with a criminal record is less respectful of the insurance rules. As a result, many mainstream insurance companies will refuse your application for household insurance.

Home insurance for defaulters

Defaulters are also high on the list of risks. If you already have insurance, it can be cancelled if you do not pay the insurance premium on time. Of course, this does not happen if you are late in paying once. You will receive a reminder and can still pay the premium. If you systematically fail to pay your insurance premium, you will be registered as a defaulter. Your insurer will cancel the insurance and it will become more difficult and expensive to obtain new insurance.

Home contents insurance refused

Has your home contents insurance been refused? This can be due to several reasons. For example because you have a criminal record or a driving disqualification. You can request your details from the CIS Foundation. This way you will know who has registered you and for what reason. Fortunately you can always take out household contents insurance with De Vereende. De Vereende specialises in insuring special risks. If a regular insurance company refuses your application, De Vereende will accept it. You do pay a higher premium.

Home contents insurance with a criminal record

With a criminal record, it is a lot harder to take out contents insurance. Insurers carry out a risk analysis. They examine in advance how big the risk is that they have to pay out compensation. If you have a criminal record, they consider that to be an increased risk. They actually assume that a person with a criminal record is less respectful of the insurance rules. As a result, many mainstream insurance companies will refuse your application for household insurance.

Home insurance for defaulters

Defaulters are also high on the list of risks. If you already have insurance, it can be cancelled if you do not pay the insurance premium on time. Of course, this does not happen if you are late in paying once. You will receive a reminder and can still pay the premium. If you systematically fail to pay your insurance premium, you will be registered as a defaulter. Your insurer will cancel the insurance and it will become more difficult and expensive to obtain new insurance.

Home contents insurance refused

Has your home contents insurance been refused? This can be due to several reasons. For example because you have a criminal record or a driving disqualification. You can request your details from the CIS Foundation. This way you will know who has registered you and for what reason. Fortunately you can always take out household contents insurance with De Vereende. De Vereende specialises in insuring special risks. If a regular insurance company refuses your application, De Vereende will accept it. You do pay a higher premium.

Customers about household insurance

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7.8
Average score
Based on 23 reviews
18-03-2022
P.K.
My questions about the contents insurance were answered adequately and quickly.
12-01-2022
Qadir
Clear and bright
17-12-2021
J.W.van.Zundert
a trusted insurance company with very friendly and caring staff !!!!!

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Last updated: 12-09-2022

Financially certainly.

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