Homeowners' Association Comprehensive Insurance Package

There are various insurance policies available for Homeowners’ Associations (VVE). Some of these are mandatory, while others are optional. When you purchase a VVE Comprehensive Insurance Package, you can choose from several insurance policies for your Homeowners’ Association, namely:

• Building Insurance, also known as group building insurance (required by law)
• Glass Insurance
• Liability Insurance(Required by Law)
• Legal expenses insurance
• Accident insurance

Some types of insurance are mandatory. Building insurance (group building insurance) and homeowners’ association liability insurance are mandatory. The other types of insurance are optional.

No coverage is provided in the event of an earthquake, flood, wear and tear, or structural defects. Damage caused by willful acts or illegal activities is also not covered under a VVE Total Package insurance policy. Damage caused by groundwater is not covered, unless the water entered the property through drainpipes and any connected pipes and appliances.

When you apply for insurance or file a claim, you’ll need to answer a few questions. You must answer these questions honestly. You must also do everything you can to prevent and minimize damage. Report any damage as soon as possible! It’s also important to let us know if any circumstances change.

Building insurance is a group property insurance policy. This is the only type of insurance that is legally required for a homeowners’ association (VvE). This insurance covers the VvE’s apartment complex against damage caused by fire, lightning strikes, storms, snow load, and water. If necessary, you will also be reimbursed for the costs of demolition and removal work in the event of water damage. The costs incurred by your homeowners’ association to prevent further damage are also covered.

Homeowners’ associations often take out glass insurance. Our glass insurance covers not only the glass in the common areas, but also all the glass in the individual apartments as standard. This includes insulated glass, plastic domes, and skylights.

The Homeowners’ Association is an independent legal entity and can therefore be held liable. For this reason, liability insurance for a Homeowners’ Association is often considered a necessity. Liability insurance covers the association’s liability risk toward individual apartment residents (with the exception of damage to their own real property). It also covers liability among members and members’ liability toward the association.

The insured amount per occurrence is €1,250,000.

You can easily calculate your premium on our website. After entering a few details, you’ll see a number of insurance policies tailored to your input, along with their corresponding premiums and policy terms. Once you’ve found a suitable insurance policy, you can purchase it right away. If you’re having trouble or have any questions, please contact us. You can reach us by phone at 088 – 688 37 12. We’re happy to assist you.

As an intermediary, we are not part of any insurance company. This means we have no financial or sales obligations to the companies we work with. When comparing insurance policies, we take into account your personal situation and specific coverage needs. Alpina makes insurance straightforward and fast.

Money-back guarantee! (14 days)
Your insurance application will be reviewed quickly, 24 hours a day, 7 days a week. You can then hit the road right away, knowing you’re fully insured. You don’t have to worry about your old insurance policy either. You can cancel it directly online through us.

Supervision

Alpina complies with all legal requirements set forth by the AFM. We hold the necessary licenses and certifications and are members of the Financial Services Complaints Institute (Kifid).