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Does the home contents insurance also cover storm damage?

You are sitting in your living room watching a film, while outside the storm is raging. Suddenly, you hear a ringing above. You decide to have a look anyway. What appears to be the case: the neighbour's antenna dish has been blown loose by the storm and has flown straight through your window. The rain poured in and ruined your bed, curtains and clock radio.

Storm damage occurs regularly in the Netherlands. It therefore seems logical that your household contents should be insured against this with the contents insurance. But is this really the case? And what exactly is insured? Alpina explains it for you.

 

Home contents storm damage insurance

Does your home contents insurance also cover storm damage?

A contents insurance is meant to cover all belongings in your house against a variety of damages. In principle, all items that are loose in your home are insured. Can you pick them up and take them with you? Then they fall under the contents insurance. Things like laminate are also covered by contents insurance, provided they are not glued or nailed down. If you also want to cover your fixed items, you should take out buildings insurance.

Contract contents insurance? Calculate your premium!

A basic household insurance covers at least damage caused by fire and theft, depending on your insurer. Storm damage can also be covered by basic insurance. Not sure if storm damage is covered by your basic household insurance? Always contact your insurer or consult the policy conditions.

Even if you are insured against storm damage, it is wise to thoroughly read the policy conditions. Certain types of storm damage may not be covered. Water damage is often covered, but hail damage may fall outside the storm damage insurance.

The right home contents insurance against storm damage

It is important that your home contents insurance fits in with your possessions and risks. In the Netherlands, for instance, insurance against storm damage is advisable. After all, we get storms here regularly. It is better to be well covered than to have to pay for damages yourself.

Modules

Therefore, you can customise your household insurance with different modules. You can then choose additional insurances on top of the basic household insurance.

Value

Your premium is determined by the value for which you insure your household effects. You can choose from different levels of value for which to insure your household effects. Do not want to be underinsured? Calculate the value of your household contents insurance or have a professional do it for you. If you are underinsured, you will only be paid up to the insured amount. You will have to pay for the rest of the damage yourself. Please note that valuable works of art often have to be insured separately, because they quickly exceed the insurance value.

Take out your home contents insurance storm damage policy through Alpina: simple and affordable

Are you considering a home contents insurance storm damage policy? Then take it out now through Alpina! We have the right coverages for every situation. Always at the most competitive premiums. Do you have any doubts or questions about our home contents insurance? Please feel free to contact our customer service. They are happy to answer all your questions.

Calculate your contents insurance premium online now!

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