Valuables insurance with home contents insurance
With home contents insurance you insure the things in your home. But what if you own antiques or other special valuables? Then also take out valuables insurance. This way you protect your expensive things against loss, theft or damage.
Calculate your premiumValuables insurance coverage
You can insure your valuables with your home contents insurance . However, the coverage is limited and not all damage is reimbursed. With an additional valuables insurance on top of your home contents insurance, you are assured of extensive coverage for your expensive belongings. The coverage of the valuables insurance varies per insurer. Therefore, always check the conditions of your policy carefully.
Comprehensive coverage
With valuables insurance you are insured indoors, but usually also outdoors, against:
- loss
- theft
- damage
- destruction
Please note: there must be no question of personal fault. There is also a maximum amount
Not covered by valuables insurance
Insurers apply a number of exclusions to valuables insurance, such as:
damage due to inherent defect
intentional damage
damage during rental
damage during wear
damage caused by cleaning, processing or repair
damage caused by, for example, a flood, war, earthquake or nuclear reaction
theft from an unlocked space without signs of forced entry
These are valuables for insurance
By valuables we mean:
antique, such as a porcelain vase from 1800
art, such as a painting by Rembrandt
expensive collections, such as old coins
expensive jewelry, such as a Rolex
musical instruments, such as a piano
photographic or film equipment
Maximum coverage of valuables
Standard insurances such as home contents insurance have a maximum coverage. For example, up to €5,000 for jewelry. Do you own expensive watches? Then the standard insurance does not offer enough coverage.
With a valuables insurance, a high maximum coverage applies. You adjust this amount with most insurers to your wishes when you take out your insurance. Your premium is determined on that basis.
Impact of underinsurance
Underinsurance means that the insured value of an object is lower than its actual value. The value of the object is then only partially covered. Imagine that your household contents are insured for €70,000, but the actual value is €80,000.
In the event of €10,000 in damage following a kitchen fire, you will only be reimbursed €8,750 due to underinsurance, as 12.5% is not covered.
Double insured?
Valuables are partly covered by the home contents insurance. In the event of damage, such as fire, there may therefore be a combination of insurances. The damage is then covered by both your home contents insurance and your valuables insurance. In that situation, the specific insurance has priority over the general one. The damage is then reimbursed by your valuables insurance.
Preventive measures
If you have a valuables insurance, the insurer expects you to take measures yourself to prevent damage or theft. This means, for example, that you store jewelry or other expensive items safely. Such as in a certified safe. So don't just leave your valuables lying around or unattended in public places.
It is also possible that the insurer will ask for extra security, such as an alarm system in your home. Stick to the agreements and make sure you are well prepared. This will prevent problems.
Take out valuables insurance
When taking out a valuables insurance, you need to know the value of your valuables. Have a good and complete valuation report drawn up for this. Many insurers value the valuables themselves based on purchase receipts and statements from jewelers. You can also hire a certified appraiser yourself.
Regularly check whether the valuables listed on your policy are still correct. This way you avoid unpleasant surprises in the event of damage or theft and you are always optimally insured.
Compare contents insurance
Quickly and easily compare home contents insurance ? Fill in a few questions and the calculation module will do the rest. You will receive an overview of possible home contents insurance policies and associated premiums. View and compare the policy values directly.
Have you found a suitable home contents insurance? Then take it out immediately. Mention any special details, such as a CIS registration . This way we can submit the application directly to the right insurer.
Frequently asked questions about valuables insurance
What is the difference between contents insurance and valuables insurance?
By default, contents insurance covers your belongings in your home against damage such as fire or theft. But for expensive and special objects such as jewelry, art or antiques, coverage is often limited. A valuables insurance offers extra protection for these valuable possessions, often also outside the home. This way you avoid being stuck with high costs in case of damage or loss.
Am I also insured outside the home with valuables insurance?
Yes, in most cases, with valuables insurance you are also insured against loss, theft or damage outside the home. This applies, for example, if you take an expensive laptop to a café or wear jewelry while traveling. Always check the policy terms and conditions, though, as coverage may vary from one insurer to another.
When is valuables insurance necessary in addition to my household insurance?
Valuables insurance is necessary if you have valuable possessions that are not fully covered by your contents insurance. Think of jewelry, antiques or art that are worth more than the standard maximum in your policy. With separate valuables insurance, you avoid being underinsured in the event of damage or loss.
Can I be double insured for valuables?
Yes, there may be double coverage if both your contents insurance and your valuables insurance cover damage. In that case, the specific insurance (the valuables insurance) takes precedence over the general coverage of the contents insurance. The damage is then usually handled entirely through the valuables insurance.
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