The insured amount of contents insurance.
The insured amount of the contents insurance must be determined accurately. After all, in the event of damage, you do not want to receive only a partial payment. The importance of the right amount of insurance should not be underestimated.
The premium for contents insurance depends on many factors. Traditionally, the amount insured is an important factor. When insuring, insurers take into account what the maximum claim in the insurance can be. In a fire, a house can burn to the ground within minutes. So the contents are completely lost in that case. It makes quite a difference to the insurer whether the contents are insured for €20,000 or for €50,000. If the sum insured in the contents insurance is too low, you will only receive a partial payment for the damage.
What is underinsurance in home contents insurance?
Properly estimating the value of household contents is actually an impossible task. After all, you have to count everything from clothing to electronics to the accessories in the kitchen. If damage shows that the contents have a higher value than insured, you will only receive a portion of the damage. The payment is pro rata. If your household contents are insured for €25,000, but the actual value is €50,000, you will be paid: 25,000 / 50,000 x the damage amount. So only half. The actual value is estimated by an expert appointed by the insurer.
Taking out household contents insurance? Calculate your premium!
How can you properly estimate the insured amount?
You can go through the whole house with a list to estimate the value of everything. That is a laborious task and even then it still remains an estimate. A better option is to use the knowledge and experience of the insurers. They can make an estimate based on the zip code and family composition, among other things. The advantage is that you can no longer be underinsured.
Specifying an insured amount is out of date
In modern contents insurance, you don't have to puzzle to determine the insured amount. At Alpina.nl we offer a comparator where we assume only a few details. We want to know what the family composition is and what your zip code and house number are. An additional question is whether the house has a thatched roof. With these basic details, we can already calculate the premium. In the next step you can include outdoor coverage and insure smartphones and tablets. This is sufficient. We ask a few more questions to determine whether you are entitled to an additional discount and you can take out the contents insurance. You can also include other insurances in the comparison, such as home insurance.
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