Does a kitchen count as personal property or real property?
The kitchen is usually covered by building insurance, since it’s often a permanent fixture of the home. Separate items, on the other hand, are covered by contents insurance—for example, a freestanding refrigerator or stove that can be easily moved. Whether your kitchen is covered under contents or building insurance therefore depends on how it’s installed.
Fixed and removable kitchen components
To clarify what is covered under home contents or building insurance, the Dutch Association of Insurers has drawn up guidelines. Please note: these are general guidelines, and individual insurers may deviate from them. You can consult your policy to see what compensation applies to you and which clauses, if any, are applicable.
The term "building" includes:
Kitchen counter
Trash disposal unit (part of the kitchen fixtures)
Garbage disposal (kitchen appliance)
Drain channel/pipe
Range Hood (Built-In)
Outdoor Kitchen (Permanent)
Power line
Gas Line
Gas Tank
Geyser
Built-in Appliances
Kitchen (built-in)
Faucet
Fan (central system)
Wall Tiles
Household goods include:
Range Hood (separate)
Water Heater
Outdoor Kitchen (separate)
Stove (freestanding, not built-in)
Refrigerator (separate)
Difference Between Contents and Building Insurance
If you own a home, it’s advisable to take out both contents and building insurance. But what’s the difference? Contents insurance covers items that aren’t permanently attached to the structure, such as freestanding kitchen appliances. Everything that is permanently attached to the home is covered by building insurance. In short: building insurance covers the home itself, while contents insurance covers the items you can move.
Is home contents insurance required?
Home contents insurance is not required by law, but it is highly recommended. Many people underestimate the value of their household belongings. Accidental damage to individual kitchen items can quickly become a major expense in the event of a fire, water leak, or other unforeseen incident. With good insurance, you can avoid having to cover these costs yourself.
Compare Home Contents Insurance Policies: Stay Well-Insured
The kitchen is an important part of your home. Damage to your kitchen can be costly. Whether you’ve just had a new kitchen installed or want to protect your current one, it’s wise to get the right insurance. That way, you can avoid unexpected costs in the event of damage.
Are you planning to purchase home contents insurance? If so, always compare multiple providers. Insurers have different terms and conditions and sometimes exclude certain types of coverage. Pay close attention to exclusions, such as damage caused by intentional acts or neglected maintenance. Premiums can also vary significantly from one provider to another.
Frequently Asked Questions: Does a Kitchen Count as Household Contents or Building Property?
When is a kitchen covered under home insurance?
If the kitchen is attached to the house and cannot be removed without demolition work, it is covered under the building insurance policy.
Which kitchen items are covered by home contents insurance?
Individual items such as a refrigerator, a freestanding stove, or a freestanding outdoor kitchen are covered under household contents insurance.
Is a built-in kitchen covered under home contents insurance?
No, a built-in kitchen is usually covered by home insurance because it is permanently attached to the structure.
How can I be sure that damage to the kitchen will be covered?
Always check your policy terms and conditions or contact your insurer to make sure you know exactly what is covered.
Do I need both types of insurance for my kitchen?
Yes, if you want to properly insure both the built-in and freestanding parts of your kitchen, it’s a good idea to take out both home contents insurance and home owners’ insurance.
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