Home Contents Insurance

Home contents insurance often covers items in the yard as well, such as patio furniture, umbrellas, and tools. Damage caused by weather conditions or theft of plants is usually not covered.

With home contents insurance, not only are your belongings inside your home covered, but often those in your garage or shed as well. This applies, for example, to tools or bicycles.

Be sure to check the policy terms and conditions, because additional insurance may be required for valuable items such as art or expensive equipment.

Would you like your cell phone or jewelry to be insured even when you're away from home? If so, choose supplemental out-of-home coverage.

You can include your valuables in your home contents insurance policy. However, the coverage is limited, and not all damages are covered. With an additional valuables insurance policy on top of your home contents insurance, you’re guaranteed comprehensive coverage for your expensive items.

The coverage provided by valuables insurance varies by insurer.

Comprehensive household contents insurance offers the most extensive coverage for your belongings. It insures you against virtually any damage—even if you cause it yourself. Think, for example, of a glass of wine that tips over onto your rug.

Damage caused by major disasters such as floods or earthquakes is usually excluded. This insurance is ideal if you want maximum protection for your household belongings.

It doesn’t matter whether you’ve rented or bought an apartment: of course, you want to make sure your (valuable) belongings are properly insured. With home contents insurance, you can ensure that your personal property—such as your furniture, electronics, clothing, etc.—is properly covered in the event of damage caused by, for example, fireortheft. Not everyone takes out home contents insurance.

It’s not mandatory insurance, after all. People either think they don’t need it or simply forget about it. Still, we strongly recommend that you take out insurance for your household contents. Your household contents are worth more than you think.

If you own a home, you need both building insurance and contents insurance. But if you rent a home, building insurance isn’t necessary—the landlord already covers those costs. However, contents insurance is recommended if you rent an apartment or house, even though it isn’t required.

When you rent a home, you have to deal with the concept of “tenant improvements.” This includes improvements you’ve made to the property yourself but will leave behind when you move out. Examples include improvements to the bathroom or kitchen. Since you paid for these yourself, they are your property.

But of course, you can’t take a bathroom or kitchen with you when you move; they’re part of the house. Normally, this is covered by building insurance, but if you’re renting, you don’t have building insurance yourself. With “tenant’s interest” coverage, you can include the improvements you’ve made under your personal property insurance.

Has your child just moved into a dorm? If so, his or her belongings are no longer covered by your home contents insurance. If your child is registered at a different address, he or she must take out home contents insurance for that address.

Be sure to carefully review the insurer’s terms and conditions regarding student housing. Sharing common areas, in particular, increases the risk for insurers. How do you know whose belongings are whose? Who is responsible for taking out contents insurance for these items? And who will receive compensation in the event of damage? In addition, the risk ofburglaryortheftis much higher in a student residence.

For this reason, many home contents insurers require that the student room be lockable. The insurer may also require that roommates take out insurance for their rented portion of the room.

Should I get insurance as a student?

Home contents insurance for students isnot required by law, but it is definitely recommended. By taking out a policy, you insure your personal belongings in your home or room. These might include your laptop, furniture, clothing, television, and much more.

Even if you’re living in a squat, you’ll want to make sure your belongings are properly insured. However, some insurers are quite reluctant to insure a squat. That’s because they don’t know how long you’ll need the contents insurance. After all, you could be evicted from the property at any time.

Short-term insurance or early termination of a policy costs the insurer a lot of money. Furthermore, many insurers consider anti-squatting housing to be unsafe. They assume there is a higher risk of damage. That’s why the premium is often a bit higher if you live in anti-squatting housing.

Items can easily get damaged during a move. The coverage provided by your home contents insurance during a move may vary by insurer. Your home contents insurance may only offer limited coverage during a move. Be sure to carefully review the policy terms well in advance of your move. This will help you avoid any unpleasant surprises.

Some insurers allow you to purchase home contents insurance without a deductible. Whether it’s wise to opt for a deductible with your home contents insurance depends on your personal and financial situation. A high deductible isn’t necessarily wise or unwise in all cases. What you’ll need to consider is whether you can easily cover this deductible yourself in the event of a claim—even if that happens several times a year.

Home contents insurance can be purchased on an individual or household basis. In a student residence, individual insurance is often more practical, whereas in family homes, the entire household’s belongings are covered. Usually, everyone must be registered at the same address.

Home contents insurance covers all movable items in your home, such as furniture, curtains, and jewelry. Click laminate flooring is also covered, but glued-down flooring is not. Damage caused by fire, storms, burglary, and water damage is often covered, depending on the coverage you choose. Be sure you are neither underinsured nor overinsured, as this can affect the payout in the event of a claim.

Whether a cell phone is covered under a home contents insurance policy varies by insurer. By default, a home contents insurance policy does not cover damage to a cell phone caused by dropping or bumping it. You will always need supplemental coverage for mobile electronics.

Do you want to make sure your phone is covered for damage or theft no matter where you are? Then purchase out-of-home coverage.

If you drop your iPad or tablet and are counting on your home contents insurance to cover it, unfortunately, you’re usually not fully covered. Home contents insurance typically doesn’t cover damage caused by dropping an iPad. Coverage varies by insurer, so be sure to read the policy terms and conditions carefully.

Do you want to make sure your mobile devices are properly insured? Then always choose the additional coverage for mobile electronics.

Looking for affordable home contents insurance? Easily compare home contents insurance policies and use the quote calculator. Found a suitable, affordable policy? Then purchase it right away. Include any special details in your application for fast processing.

Was your insurance application denied? You can find your information and the reason for the denial at Stichting CIS. Fortunately, you can always take out insurance with De Vereende. De Vereende specializes in insuring special risks. You will, however, pay a higher premium.