Does home insurance also cover the costs of a burglary?
After a well-deserved holiday, your plane lands at Schiphol. Holidays always do you good, even though you are actually glad to be going home again. You take your suitcase off the conveyor belt and make your way to the car park. Luckily, the car is still there, exactly as you left it, without any damage.
Once you get home, you can feel the rested and calm feeling flowing directly from your body. I closed the window when I left, didn't I? you still think to yourself. You open the front door in a hurry and once inside your fear becomes reality. Your television, radio and coffee machine have all disappeared.
Fortunately, you have taken out contents insurance. But does this insurance also cover the costs in case of burglary? And if it does cover something, what exactly? Alpina explains it all for you in this blog.
What does the contents insurance cover after a break-in?
A household contents insurance basically covers everything that is loose in your house. Insurers also use the standard that "everything that is easy to take with you when you move house" is covered by the contents insurance. Your kitchen is usually not covered, but your coffee machine is. Items such as televisions, stereo sets and furniture are always included in the contents insurance. Your built-in cupboard is not covered by the contents insurance.
Theft is often covered by the standard home contents insurance. Have your belongings been stolen or have they been damaged during a burglary? Then you are often insured for this with your household contents insurance.
However, have you suffered damage to doors, window frames, built-in furniture or your kitchen? Then this damage is not covered by the contents insurance but by the building insurance. This covers all damage to your home. This also includes things that are permanently attached to your house, such as your kitchen.
The costs of contents insurance burglary
The amount of your premium is calculated on the basis of a number of factors. Below, we explain the factors that, among other things, are taken into account when calculating the premium.
Habitat
Where you live is important for the amount of your premium. Do you live in a busy city? Then your premium will be higher than if you live in a small village. This is because there is more risk of something happening to your belongings. Burglary and theft in particular play a role in this.
Value
The other factor is the value of your contents. The higher the value of your possessions, the higher your premium will be. You can therefore insure your possessions up to a certain amount. This way you can choose the amount of premium for which you want to insure your possessions. This way you can directly influence the amount of your premium.
Want to easily find out what the amount of your premium will be? Then calculate it easily with Alpina's handy online tool.
Take out your burglary contents insurance through Alpina: simple and affordable
Are you considering burglary contents insurance? Then take it out now through Alpina! We offer the most complete coverage against burglary and theft. Always at the most competitive premiums. Do you have any doubts or questions about our home contents insurance? Feel free to contact our customer service. They are only too happy to answer all your questions.
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