Home Contents Insurance When Living Together Without a Cohabitation Agreement
Are you moving in together without a cohabitation agreement? Even then, you can still get home contents insurance. When you move in together, you’ll often combine your belongings—like one person’s TV and the other’s bed. Here are the things to keep in mind and the steps you can take.
Living Together at the Same Address? Here's How to Get the Right Home Contents Insurance
Do you both have home contents insurance policies because you’ve started living together at the same address? If so, you can cancel one of the policies. In most cases, it’s more cost-effective to keep one good home contents insurance policy and adjust it to fit your new situation than to continue paying for two separate policies.
First, compare which insurance policy best suits your situation. Pay attention to the coverage, the premium, and the policy terms. Also check whether the insured amount is sufficient to cover the total value of both of your households’ belongings. If necessary, you can increase the insured amount of the selected policy or expand the coverage.
How to Get Home Contents Insurance When Living Together Without a Cohabitation Agreement: A Step-by-Step Guide
Taking out a joint household contents insurance policy is quick and easy. Below is a step-by-step guide on what you need to do.
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Moving in together is a big step and the perfect time to take another look at your home contents insurance. Combining two households changes the value of your belongings. That means your current insurance policy might no longer be a good fit.
Whether you want to cancel one insurance policy, modify an existing policy, or take out a new home contents insurance policy together: it pays to compare. By comparing different insurance policies side by side, you can immediately see which coverage best suits your new situation—and what the corresponding premium is.
Frequently Asked Questions About Home Contents Insurance for Couples Living Together Without a Cohabitation Agreement
Is it a good idea to get a new home contents insurance policy when you move in together?
It’s not required, but it’s sometimes a good idea. By taking out a new insurance policy, you can be sure that your shared household belongings are properly insured and that there will be no confusion about coverage in the event of any debts or damage.
Are both partners' belongings insured without a policy?
In most cases, yes. It is important, however, that the coverage amount is high enough and that the policy does not include any restrictions for cohabiting partners.
Do you need to adjust your insurance if your partner moves in with you?
Yes, when your partner moves in with you, your living situation changes. This can increase the value of your household goods and other possessions. It’s therefore a good idea to contact your insurer to check whether your current coverage is still adequate.
What is the notice period for home contents insurance?
The notice period for canceling home contents insurance can vary by insurer. In some cases, you can cancel the policy immediately, while other insurers require a one-month notice period.
Check whether the insurance policy you are keeping or taking out provides sufficient coverage for all your household belongings and find out how much the insurer will pay out in the event of a claim.
What happens to your home contents insurance when you split up?
When a couple breaks up, the insurance policy must be adjusted or canceled. In most cases, the policy is continued by the partner who continues to live at that address.
Are the terms of household property insurance different for cohabiting couples without a lease agreement than for those in a domestic partnership?
No, that doesn't make a difference. The tax authorities determine whether you are tax partners for tax purposes, but that has nothing to do with home contents insurance. The insurance company only considers who lives at the address and whether you form a single household together.
Does a registered partnership make a difference when it comes to home contents insurance?
No, a registered partnership does not, in and of itself, make a difference for home contents insurance. What matters most for coverage is who is named on the policy and who lives at the address.
In the event of death, a registered partnership can indeed affect the settlement of the estate. In such cases, it is legally clearer who is entitled to the household goods and who is considered a legal heir. However, this is separate from the insurance policy itself.
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