Contents insurance

Contents insurance often covers items in the garden. Think of garden furniture, umbrellas and tools. Weather damage or theft of plants is usually not covered.

With contents insurance, not only your belongings in your home are insured, but often also those in your garage or shed. This applies, for example, to tools or bicycles.

Be sure to check the policy terms, though, as valuables such as art or expensive equipment may require additional insurance.

Do you want your cell phone or jewelry to be insured outside the home as well? Then choose additional outdoor coverage.

You can co-insure your valuables with home contents insurance. However, coverage is limited and not all damage will be reimbursed. With an additional valuables insurance on top of your contents insurance, you are assured of comprehensive coverage for your expensive belongings.

Valuables insurance coverage varies by insurer.

All-risk contents insurance offers the most comprehensive coverage for your belongings. This insures you against virtually all damage. Even if you cause it yourself. Think of a fallen glass of wine on your laptop.

However, damage from major disasters such as floods or earthquakes are usually excluded. This insurance is ideal if you want maximum security over your contents.

It doesn't matter whether you've rented or bought an apartment: of course you want to insure your (valuable) belongings well. Home contents insurance ensures that your belongings such as furniture, appliances, clothing, etc. are well insured in case of damage by fire or theft. Not everyone takes out household contents insurance. This is because it is not compulsory insurance. People think they don't need it or it is simply forgotten. Nevertheless, we strongly recommend taking out insurance for your household contents. Your contents are worth more than you think.

If you buy a house, you need both buildings insurance and contents insurance. But if you are renting a home, buildings insurance is not necessary. These are costs the landlord already pays. However, contents insurance is recommended if you rent an apartment or house, although it is not mandatory. With a rental house, you have to deal with tenant's interest. This includes improvements that you have made to the house yourself, but leave behind in the house when you move out. These are, for example, improvements to the bathroom or kitchen. You paid for this yourself, making it your property. But of course you don't take a bathroom or kitchen with you when you move, this is attached to the house. Normally this is covered by buildings insurance, but with a rental property you don't have buildings insurance yourself. With the tenant interest, you can include improvements you have made in your contents insurance.

Has your child just moved into a room? Then his or her belongings are no longer covered by your household insurance. If your child is registered at a different address, they must take out contents insurance for that address. Be sure to check the insurer's terms and conditions regarding a student residence. Especially sharing common areas makes the risk higher for insurers. How do you know which items originally belong to whom? Who should take out contents insurance for these items? And who gets paid out in case of damage? In addition, the chance of burglary or theft in a student residence is much higher. Therefore, many home contents insurers require that the student room must be able to be locked. The insurer may also require that roommates take out insurance for their rented part as well.

Have insurance as a student?

Property insurance for students is not required by law, but it is certainly recommended. By taking out insurance, you are insuring your unloaded items/property in your home or room. You can think about your laptop, furniture, clothes, television and much more.

Even if you live anti-squatting, you will want to insure your belongings properly. However, some insurers are rather reluctant when it comes to insuring an anti-squatting home. This is because they do not know for how long you will need contents insurance. After all, you can be evicted from the property at any time. Insuring for a short time or canceling an insurance policy early costs the insurer a lot of money. Furthermore, many insurers consider anti-squatting to be unsafe. They assume that damage is more likely to occur. Therefore, the premium is often a bit higher if you live anti-squatting.

During a move, belongings can easily be damaged. Your household contents insurance coverage during a move may vary from one insurer to another. It is possible that your household contents insurance has limited coverage during a move. Check the policy conditions well in advance of your move. This way you avoid surprises.

Some insurers allow you to take out household contents insurance without a deductible. Whether it is wise to opt for a deductible with contents insurance depends on your personal and financial situation. A high deductible is not by default wise or unwise. What you will have to think about is whether you can easily take this deductible for your own account in case of damage, for example several times a year.

Contents insurance can be taken out per person or per household. In a student house, personal insurance is often more convenient, while in family homes, the entire household contents are covered. Usually, everyone must be registered at the same address.

Contents insurance covers all items in the home that are not attached, such as furniture, curtains and jewelry. Click laminate is also covered, but glued-down floors are not. Damage caused by fire, storm, burglary and water damage is often covered, depending on the coverage chosen. Make sure you are not under- or over-insured, as this can affect the payout in the event of damage.

Whether a cell phone is co-insured with a household contents insurance policy varies from one insurer to another. By default, contents insurance does not provide coverage for dropping or bumping a cell phone.

Sometimes this is only insured with all-risk coverage. Want to make sure that damage or theft to your phone is covered everywhere? Then take out out-of-home coverage.

Drop your iPad or tablet and count on contents insurance? Then you often end up disappointed. The contents insurance usually does not cover damage to iPads. Coverage varies by insurer so read the policy conditions carefully.

Looking for cheap household insurance? Compare household insurance easily and use the calculation module. Find a suitable, cheap insurance? Then close it immediately. Mention any special features with the application for fast processing.

Has your application for insurance been denied? At Stichting CIS you can find your details and reason for refusal. Fortunately, you can always take out insurance with De Vereende. De Vereende specializes in insuring special risks. However, you pay a higher premium.