How can I insure the contents of my shed?
Do you store your belongings in a warehouse, garage or shed? Then you naturally want these items to be properly insured in the event of damage or theft. You may wonder whether the items in your shed are also insured under your home contents insurance. We tell you!
What is covered?
In many cases, belongings in a shed fall under the cover of your contents insurance. How long your possessions are co-insured, however, differs per insurer. In general, items in a shed are insured for at least 90 days with each insurer. This often increases to a period of a year and in some cases even longer. Centraal Beheer insures items in a shed for a maximum of 2 years, while OHRA insures them for one year. At Inshared your belongings are insured for a maximum of 9 months and at Nationale Nederlanden for 90 days.
Storage in a warehouse is often subject to a number of limitations and conditions. For example, limited cover applies to items stored in a warehouse. They are usually only insured against fire and theft. This can vary between insurers, so always check the policy conditions of your insurance company. You can also always contact your insurer about this.
Business inventory insurance for your warehouse
Do you store things for your business in your warehouse? Then you may need business contents insurance, or inventory insurance. A contents insurer distinguishes between inventory insurance and goods insurance. Inventory means all the things that are used in your company to practise your profession. Examples are office furniture, laptops, but also machines. All items in your building that you need to do your work are covered by inventory insurance. Goods refers to your trading stock. These are all raw and auxiliary materials that you use to make your final product, such as semi-finished products, cleaning agents, fuels and packaging materials. Do you store these products in your warehouse? Then this is also insured when you take out business contents insurance.
Take out contents insurance for your shed
Contents insurance is one of the most important home insurance policies there is, especially if you also have items stored in a shed. With a good contents insurance, both your home contents and your contents in the shed are insured. Suppose a fire breaks out in the shed. If you are not insured, the costs can quickly mount up. With contents insurance for your shed, you are insured against damage and theft.
You can easily purchase contents insurance at Alpina.nl . With Alpina's online comparison tool, you can easily and quickly compare household insurance policies on price and quality. By comparing home contents insurance, you will find out which insurance is best for you. Also check carefully how belongings in a shed are insured by each insurer. Do you mainly store things for your business in your shed? Then look into inventory insurance. Choosing the right insurance will ensure that your contents are properly insured.
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