Out-of-Home Insurance: Coverage When You're Away from Home
With home contents insurance that includes outdoor coverage, your belongings are also insured against damage and theft when they’re outside your home. This coverage applies to items that are actually intended for outdoor use, such as a video camera, sports equipment, or a camera.
Compare Home Contents Insurance PoliciesOut-of-Home Insurance Coverage
Out-of-home insurance, or out-of-home coverage, is a supplemental insurance policy that covers damage to or loss of your belongings while you’re away from home. This is useful if you often carry valuable items with you when you’re out and about or at a location such as a restaurant or while out for a walk. For example, the insurance will pay out if your belongings fall, get damaged, or are stolen while you’re out and about.
This outdoor coverage applies to items that are actually intended for outdoor use, such as:
a video camera
headphones
a camera
cash
a laptop
glasses
What is covered under a vacation home policy?
Exclusions from Coverage
Damage caused by intentional acts, gross negligence, or normal wear and tear is generally not covered. For example, if you leave your sunglasses unattended on a patio while you go to the restroom.
Items with only sentimental value are also often excluded from coverage. Finally, risks arising from activities undertaken without taking precautions are often excluded. Coverage varies by insurer, so be sure to read the terms and conditions carefully.
Outdoor coverage is not included as standard
This coverage used to be included as standard in home contents insurance. Now, many insurers offer it as an optional add-on, because people own more and more portable electronics. This means you’ll pay a higher premium for it.
When comparing insurance policies, check the policy terms and conditions for exclusions. For example, look at coverage for cell phones. And does the coverage apply only to the Netherlands or worldwide? That way, you can be sure you’re covered.
Premium Calculation for Homeowners Insurance
The premium for home contents insurance is determined by the value of the items you want to insure and the level of coverage you choose. The higher the insured amounts, the higher the premium. In addition, factors such as your place of residence and the deductible you choose play a role.
Insured amounts range from hundreds to thousands of euros. It depends on your personal needs and the policy terms and conditions.
The deductible for home contents insurance with outdoor coverage
The deductible for a vacation home insurance policy is usually between €50 and €150 per incident, depending on the insurer and the type of damage.
Theft from a car
Not all insurers include coverage for theft from a car under their out-of-home coverage. If they do, there is usually a higher deductible. You must also be able to prove that your car was broken into. The exact rules are outlined in your insurance policy.
Frequently Asked Questions About Homeowners Insurance
How does compensation work in the event of a theft outside the home?
In the event of theft outside the home, you’ll only receive compensation if there’s evidence of a break-in or signs of forced entry. For example, if you leave your laptop in your car and it is broken into, compensation is often possible, provided this is specified in the policy terms. In the event of loss without signs of forced entry or if you leave your belongings unattended, damages are usually not covered. Always read the policy terms carefully to understand the specific requirements of each insurer.
Are my belongings covered worldwide under a home contents insurance policy?
Not all personal property insurance policies offer worldwide coverage. Some only cover damage or theft within the Netherlands, while others also provide protection when traveling abroad. Be sure to check the policy terms and conditions to see if worldwide coverage is included, especially if you often take your belongings with you on vacation or business trips.
What is the average cost of home insurance?
The premium depends on the value of your belongings, the coverage amount you choose, and where you live. On average, the premium ranges from a few euros to tens of euros per month. The higher the insured value and the lower the deductible, the higher the premium. Use a comparison site to quickly get a rough estimate.
What should I look for when comparing out-of-home insurance policies?
When comparing policies, pay attention to the coverage for specific items such as smartphones, laptops, and jewelry. Also check whether the coverage is valid worldwide and what the deductible is in the event of a claim. Verify whether theft from a car or loss without signs of forced entry is covered. There are significant differences between insurers, so always read the policy terms and conditions carefully.
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