Content insurance
Compare contents insurance
Which cover suits you?
Which cover suits you?
Extensive
- Fire damage
- Theft and burglary
- Collision and falling of trees
- Damage by falls and bumpsi 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
- Fire damage
- Theft and burglary
- Collision and falling of trees
- Damage by falls and bumpsi 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.
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 is it necessary?
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
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.
It is wise to take out insurance for your household contents as soon as you own belongings that are in a home. It does not matter whether the home is purchased or rented. A great time to take out contents insurance is a move. Of course, you want your belongings in your new home to be well insured, should something unexpected happen. Do you already have household contents insurance? If so, moving house is a great time to review it. Always report your new address to the contents insurer. Do you have new furniture or new appliances? If so, the value of your contents may change.
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.
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 possibilities 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.
With so many different types of insurance, it's sometimes hard to pick out the best one. After all, what is the best home contents insurance? That depends entirely on your personal situation and the coverage you choose. If you choose basic coverage, damage to your household contents from fire, water, theft and vandalism is covered. In addition to the basic coverage, you can purchase additional coverage, such as out-of-home coverage or valuables insurance. The most comprehensive coverage for your contents is all-risk coverage. Look carefully at the value of your contents and your personal situation to find the best contents insurance.
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.
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.
Calculate
Through our online tool you can very easily calculate the premium for contents insurance. To do this, you need to enter some information about your home and contents, such as the year of construction and the type of home. To calculate your insurance premium, you need to know the value of your household contents. For this you can use the household contents value meter. The Inboedelwaardemeter is based on various studies into the value of the contents of a large number of households in the Netherlands.
Compare
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
Close
Through our website you can easily compare insurance policies. After entering a few details, a number of insurance policies will appear, tailored to your needs, with the corresponding premiums and policy conditions. Once you have found a household insurance that suits you and your family, you can take out a policy online.
Are you having trouble or do you still have questions? You can reach us Monday through Friday between 08:00 and 18:00 at telephone number 088-6883700. We are happy to help you!
See also our Frequently Asked Questions on household insurance.
Calculate
Through our online tool you can very easily calculate the premium for contents insurance. To do this, you need to enter some information about your home and contents, such as the year of construction and the type of home. To calculate your insurance premium, you need to know the value of your household contents. For this you can use the household contents value meter. The Inboedelwaardemeter is based on various studies into the value of the contents of a large number of households in the Netherlands.
Compare
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
Close
Through our website you can easily compare insurance policies. After entering a few details, a number of insurance policies will appear, tailored to your needs, with the corresponding premiums and policy conditions. Once you have found a household insurance that suits you and your family, you can take out a policy online.
Are you having trouble or do you still have questions? You can reach us Monday through Friday between 08:00 and 18:00 at telephone number 088-6883700. We are happy to help you!
See also our Frequently Asked Questions on household insurance.
Is the phone co-insured?
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.
Have insurance as a student?
Property insurance for students is not required by law, but it is certainly recommended. By taking out insurance, you are insuring your unloaded items/property in your home or room. You can think about your laptop, furniture, clothes, television and much more.
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.
Is the phone co-insured?
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.
Have insurance as a student?
Property insurance for students is not required by law, but it is certainly recommended. By taking out insurance, you are insuring your unloaded items/property in your home or room. You can think about your laptop, furniture, clothes, television and much more.
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.
We compare different insurers
Flat
It doesn't matter whether you rented or bought your apartment: of course you want to insure your (valuable) belongings. Home contents insurance ensures that your belongings, such as your furniture, appliances, clothing, etc. are well insured in case of damage by fire or theft , for example . Not everyone takes out household contents insurance. This is because it is not compulsory insurance. People think they don't need it or it is simply forgotten. Nevertheless, we strongly recommend taking out insurance for your household contents. Your contents are worth more than you think.
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.
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.
Flat
It doesn't matter whether you rented or bought your apartment: of course you want to insure your (valuable) belongings. Home contents insurance ensures that your belongings, such as your furniture, appliances, clothing, etc. are well insured in case of damage by fire or theft , for example . Not everyone takes out household contents insurance. This is because it is not compulsory insurance. People think they don't need it or it is simply forgotten. Nevertheless, we strongly recommend taking out insurance for your household contents. Your contents are worth more than you think.
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.
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 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. Your contents insurance coverage during a move may vary from one insurer to another. It may be that your contents insurance has only limited coverage during a move. Check your policy conditions well in advance of your move. This will prevent any 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. Your contents insurance coverage during a move may vary from one insurer to another. It may be that your contents insurance has only limited coverage during a move. Check your policy conditions well in advance of your move. This will prevent any 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.
Criminal record
With a criminal record, it's a lot harder to get insurance. Insurers do risk analysis. They examine in advance the risk of having to pay out compensation. If you have a criminal record, they consider that an increased risk. This basically assumes that someone with a criminal record is less likely to follow insurance rules. Because of this, many regular insurance companies will refuse your application for contents insurance.
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.
Refused?
Has your application for insurance been denied? If so, there may be several reasons. For example, because you have a criminal record or a driving disqualification. You can request your details from Stichting CIS. You will know who has registered you and for what reason. Fortunately, you can always take out insurance with De Vereende. De Vereende specializes in insuring special risks. If a regular insurance company refuses your application, De Vereende will accept it. However, you will pay a higher premium.
Criminal record
With a criminal record, it's a lot harder to get insurance. Insurers do risk analysis. They examine in advance the risk of having to pay out compensation. If you have a criminal record, they consider that an increased risk. This basically assumes that someone with a criminal record is less likely to follow insurance rules. Because of this, many regular insurance companies will refuse your application for contents insurance.
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.
Refused?
Has your application for insurance been denied? If so, there may be several reasons. For example, because you have a criminal record or a driving disqualification. You can request your details from Stichting CIS. You will know who has registered you and for what reason. Fortunately, you can always take out insurance with De Vereende. De Vereende specializes in insuring special risks. If a regular insurance company refuses your application, De Vereende will accept it. However, you will pay a higher premium.
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