Does home contents insurance also cover the costs of a burglary?
After a well-deserved vacation, your plane finally lands back at Schiphol. A vacation always does you good, although you’re actually glad to be heading home again. You pick up your suitcase from the baggage carousel and head toward the parking lot. Fortunately, your car is still there, exactly as you left it, without a scratch.
Once you get home, you immediately feel that sense of rest and calm wash over you. “I’m sure I closed the window before I left,” you think to yourself. You hurriedly open the front door, and once inside, your fears come true. Your television, radio, and coffee maker are all gone.
Fortunately, you have home contents insurance. But does this insurance also cover the costs of a burglary? And if it does provide coverage, what exactly is covered? Alpina explains it all for you in this blog post.
What does home contents insurance cover after a burglary?
Home contents insurance generally covers everything that is not permanently attached to your home. Insurers also use the standard that “anything that can easily be taken with you when you move” is covered by home contents insurance. Your kitchen is generally not covered, but your coffee maker is. Items such as TVs, stereo systems, and furniture are always covered by home contents insurance. Your built-in cabinet, on the other hand, is not covered by home contents insurance.
Want to get home contents insurance? Calculate your premium!
Theft is often covered under standard home contents insurance. Have your belongings been stolen or damaged during a break-in? If so, you’re often covered for this under your home contents insurance.
However, if you’ve suffered damage to doors, window frames, built-in furniture, windows, or your kitchen, this damage is not covered by your personal property insurance but by your home insurance. This policy covers all damage to your home, including items that are permanently attached to it, such as your kitchen.
The Cost of Home Contents Insurance Against Burglary
The amount of your premium is calculated based on a number of factors. Below, we explain more about the factors that are taken into account when calculating the premium.
Habitat
Where you live affects the amount of your premium. Do you live in a busy city? If so, your premium will be higher than if you lived in a small village. That’s because there’s a greater risk that something might happen to your belongings. Burglary and theft, in particular, play a role here.
Value
The other factor is the value of your household contents. The higher the value of your belongings, the higher your premium will be. You can therefore insure your household contents up to a certain amount. This allows you to choose the premium level at which you want to purchase your household contents insurance. This way, you have direct control over the amount of your premium.
Would you like to easily find out how much your premium will be? Then calculate it easily using Alpina's handy online tool.
Get burglary coverage for your home contents insurance through Alpina: simple and affordable
Are you considering getting burglary coverage for your household contents? Then take out a policy today through Alpina! We offer the most comprehensive coverage against burglary and theft. Always at the most competitive rates. Do you still have any doubts or questions about our home contents insurance against burglary? Feel free to contact our customer service team. They’re more than happy to help you and answer all your questions.
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