Does home insurance apply per person or per household?
Home contents insurance is not compulsory, but it is extremely useful. Do you want your belongings in the house covered against damage? Then household contents insurance is the insurance you need. You insure all items that are loose in your house. Think for example of your furniture.
But do you take out contents insurance purely for yourself or for the entire household? Consider here, for example, a student house. You have your own room here, but there is a partial household. What is then insured with contents insurance? And is this different if you live in the house with your family? In this blog, Alpina Insurance explains it for you.
When do you take out contents insurance per person?
You have managed to get a room in a student house. Living on your own is a big responsibility. You now have to take care of your own things. Renting is expensive enough on its own. You do not need to add the cost of broken things. Replacing a broken laptop or a broken bed can quickly add up to a few thousand euros.
In order to protect yourself against such costs, you can take out contents insurance. The question is whether the insurance applies to the entire student house or only to you. After all, you have your own room in which you are staying. Taking out a personal insurance policy also means less risk for the insurer. In this way they can take out more insurance policies, so that fewer items are insured under one insurance policy.
The landlord takes out building insurance for the rest of the property. Therefore, you do not have to do this yourself when renting a room. As far as the belongings in the communal areas are concerned, the landlord can take out a household contents insurance or the main tenant of the house.
When do you take out household insurance for your entire household?
You live with your entire family in the same house. In that case, a household contents insurance is also useful. In this case, insurers often cover the entire contents of your house and your family. It does not matter who in the family caused the damage. They are all insured against damage. It also hardly matters which items suffer damage. Unless there are exceptions in the policy. These exceptions usually include mobile phones, because they represent a high risk for the insurer. However, you can insure your mobile phone additionally.
However, it is important that everyone is registered at the same address. If someone is not registered at the same address, that person is not insured. Unless you have taken out an insurance policy that also covers damage caused by your guests.
Finally, it is useful to know that your children are co-insured up to the age of 18. After that, you will have to take out additional or separate household insurance for them.
Get your contents insurance through Alpina: simple and affordable
Are you considering taking out household contents insurance per person or for your entire household? Then take it out now through Alpina! Thanks to our years of experience, we can offer you the best insurance. Do you have any doubts or questions about our household insurance? Feel free to contact our customer service. They are ready to answer all your questions.
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