Home insurance: insure your home immediately!
A home is more than just four walls and a roof. In your home, you sleep, live and spend a lot of time. Your home and your possessions in it are probably very dear to you. Therefore, it is important that you insure them properly. With a home insurance you insure yourself against various risks in and around your home, such as fire, burglary or extreme weather. Home insurance consists of contents insurance and building insurance. You can also expand your home insurance with liability insurance, legal expenses insurance and continuous travel insurance. When you take out these insurances together, we call this a home insurance package.
What is home insurance?
Home insurance is a combination of contents insurance and building insurance. Home insurance covers damage to your home and home contents insurance covers damage to your household contents. So when you take out home insurance, you insure both damage to your home and damage to your contents. You can extend the home insurance with, for example, liability insurance. At Alpina.nl you can compile and compare your own home insurance. The advantage of combining multiple insurance policies is that you have everything under one roof with one point of contact. Moreover, you benefit from package discounts when you take out a home insurance package. This will save you on the premium.
Why do you need one?
Of course, you want to insure your home and belongings as well as possible. With home insurance, you are insured for damage to your home and possessions. Household effects insurance insures all loose items in your home, such as your sofa, bed and television. The building insurance insures your home and everything attached to it. If you choose for a combination of the contents insurance and the building insurance you know for sure that your house and your belongings are well insured. You can then arrange and conclude your insurance in one go. Moreover, you can supplement the home insurance with other insurances that you may already have planned to take out.
What are the benefits?
Taking out home insurance through Alpina has a number of advantages:
- You can compile your home insurance yourself. You choose what you want to insure.
- You are guaranteed never to be underinsured again.
- We compare not only the price but also the quality of the providers. In the comparison, you can also view the details of the insurance and compare several insurance policies with each other.
- Premium discount for taking out multiple insurance policies
- Have you found a good home insurance policy? At Alpina.nl you can apply for it directly online. After answering some questions about your living situation, you will immediately see if your insurance is approved.
- If you take out home insurance through Alpina.nl , you always have a 14-day cooling-off period. This means you can cancel your home insurance within 14 days and get your paid premium back. Unless, of course, you have had damage.
- At Alpina, personal contact is important to us. That's why our expert staff is there to help you when you can't figure it out yourself. You can reach us Monday through Friday at 088-6883700 from 8 a.m. to 6 p.m.
Can I compare them?
Comparing insurance is probably not your favorite thing to do. Still, we recommend always comparing because it can save you a lot of time and money. At Alpina.nl you can easily compare home insurance policies. Do you have a rental property? Then you do not need to take out building insurance. In this case you only need contents insurance. You can still extend it with liability insurance, legal expenses insurance or continuous travel insurance. If you take out a combination of insurances, you take out a housing package. Upon entering a few details, a number of insurance policies, tailored to your needs, will appear with the corresponding premiums and policy conditions. This way you can compare home insurance on price and content.
Why is it useful to compare?
Of course, you want to insure your home and your belongings properly. Ideally, you want the best home insurance at the lowest price. That is why it is important to compare different home insurance providers in advance. After all, when you buy a new car, you don't go for just any insurance company. Although the range of insurers is naturally similar, there are sometimes big differences in the coverage or the premium. When you compare, you get an overview of all home insurance policies, including the corresponding premiums and policy conditions. By comparing home insurance policies you can see at a glance which home insurance policy is the cheapest and best for you.
Closing?
Once you have made a comparison on Alpina\.nl, you can view the range of home insurance policies available. Once you have found the best home insurance policy, you can purchase it directly online. To do this, however, you need to keep your details and the details about your home handy. So you can take out a combination of home insurance and contents insurance, but you can also supplement your home insurance package with liability insurance, legal assistance insurance or continuous travel insurance. Would you like to consult with one of our insurance specialists before taking out your policy? They are ready to help you with all your questions. You can reach us by phone from Monday to Friday at 088 -6883700. You can also always send a message via chat, WhatsApp or Messenger.
What should you pay attention to when closing?
There are a number of things to consider when taking out home insurance. For example, you do not have to take out buildings insurance for rented accommodation. The landlord is responsible for this. If you take out a home insurance package, you can leave out the building insurance. In this case, you can take out a separate contents insurance, possibly supplemented with an AVP (liability insurance) or legal assistance insurance. You should also ensure that you take out the right combination of insurances, so that you get the cheapest deal. Do you go on holiday several times a year? Then you might consider to take out a continuous travel insurance as well. With this policy, you are insured throughout the year.
Home and building insurance: what's the difference?
Many people think that home insurance and building insurance are two different things. However, this is not the case. Home insurance and building insurance are the SAME insurance. Insurers often use these terms interchangeably, which is why there is sometimes confusion. Home insurance (or building insurance) is insurance that covers all of the real estate attached to your house. Immovable goods are things that are permanently connected to the ground. Examples are the ceilings, walls, pipes, the roof or a fitted kitchen. With home insurance you ensure that if any damage occurs to one of these items, the insurer pays out the claim amount.
What is the difference between home insurance and contents insurance?
Home contents insurance is actually indispensable for everyone. The things in the house can be damaged in many different ways. For example by fire, lightning strike, storm, burglary or flood. With home insurance, the damage is compensated by the insurer and the damaged items can be repaired or replaced. Home insurance is a combination of both home insurance and building insurance. It insures not only your household effects, but also your house and the things that are attached to your house. With home insurance, you kill two birds with one stone. Moreover, you will receive a discount on the monthly premium.
What is the point of insurance?
Your home and your belongings can be damaged in many different ways. Imagine a fire breaking out and a large part of your valuable possessions going up in flames. Or if extreme weather causes a leak in your roof, so that (part of) your roof needs to be replaced. If the damage is extensive, the costs can sometimes be high. By insuring yourself properly, you can keep the financial risks manageable. The nice thing about home insurance is that you can insure your house and contents in one go. Moreover, you then have one point where you can arrange all the insurances around your home.
What does home insurance cost?
The cost of home insurance depends on a number of factors, such as:
- Your family situation
- Type of coverage
- Your city
- The type of dwelling
- The construction of your house
- The reinstatement value
- The insured amount
- The own risk
When calculating the premium, an insurer looks at various factors. Your family composition is one of those factors. A family usually has more things than a single person, so the costs of a family are naturally higher. The costs you will have to pay for home insurance each year are therefore different for each household. There are also a number of factors that you can influence, such as the type of coverage, the insured amount and the excess.
Insurance for a house with a thatched roof
A thatched roof is beautiful, of course, but it is also more of a fire hazard than, say, a tile roof. This is why home insurance for a home with a thatched roof is very important. Imagine a fire occurs and a large part of your home goes up in flames. Without insurance, repairing or rebuilding your home will cost an awful lot of money. With home insurance, both your home and your contents are insured in the event of damage caused by fire, for example. Proper home insurance can save you sky-high costs.
Insurance for solar panels
If you have solar panels and they are nailed to the roof, you can insure them with a building insurance. In some cases, solar panels are not nailed down, for example if you have a flat roof. In that case, the solar panels are not part of your house and are therefore not covered by a building insurance policy. You can also insure your solar panels with home contents insurance. This is possible if the solar panels are not nailed to the roof. However, different conditions apply in this case as the solar panels are outside your home. You should therefore always check this in the insurer's policy conditions. Do you live in rented accommodation? In that case, too, the solar panels fall under the cover of your contents insurance.
Insurance for a rental property
If you rent a house, you are not responsible for taking out buildings insurance. This is arranged by the landlord. In that case, you only need home insurance. In that case you can also take out separate household insurance and possibly supplement it with liability insurance, legal assistance insurance or continuous travel insurance. This combination of insurances is called a home package. If you take out several insurances at the same time, you will receive a discount on the insurance premium. Always check the tenancy agreement to see if the landlord has taken out building insurance for the property. That way you will not have any unpleasant surprises.
Insurance for a house with a thatched roof
A thatched roof is beautiful, of course, but it is also more of a fire hazard than, say, a tile roof. This is why home insurance for a home with a thatched roof is very important. Imagine a fire occurs and a large part of your home goes up in flames. Without insurance, repairing or rebuilding your home will cost an awful lot of money. With home insurance, both your home and your contents are insured in the event of damage caused by fire, for example. Proper home insurance can save you sky-high costs.
Insurance for solar panels
If you have solar panels and they are nailed to the roof, you can insure them with a building insurance. In some cases, solar panels are not nailed down, for example if you have a flat roof. In that case, the solar panels are not part of your house and are therefore not covered by a building insurance policy. You can also insure your solar panels with home contents insurance. This is possible if the solar panels are not nailed to the roof. However, different conditions apply in this case as the solar panels are outside your home. You should therefore always check this in the insurer's policy conditions. Do you live in rented accommodation? In that case, too, the solar panels fall under the cover of your contents insurance.
Insurance for a rental property
If you rent a house, you are not responsible for taking out buildings insurance. This is arranged by the landlord. In that case, you only need home insurance. In that case you can also take out separate household insurance and possibly supplement it with liability insurance, legal assistance insurance or continuous travel insurance. This combination of insurances is called a home package. If you take out several insurances at the same time, you will receive a discount on the insurance premium. Always check the tenancy agreement to see if the landlord has taken out building insurance for the property. That way you will not have any unpleasant surprises.
Best home insurance
To insure your precious home and belongings, you naturally want the best home insurance. And preferably at the lowest price. No problem, because at Alpina.nl you can find the best home insurance at the lowest premium by comparing. What is the best home insurance depends entirely on your personal situation. For example, do you have a very new home or an older one? And is the home made of stone or other material, such as wood? Whatever your situation, there is a suitable home insurance policy for everyone and for every home.
Insurance for individuals
When you buy a home, it is obviously a big investment. You will probably also purchase (new) furniture and you may need to do some remodeling. You would then do well to insure everything as fully as possible. After all, no one wants to lose an entire investment if, for example, a fire breaks out. If you want to be fully insured, you can opt for home insurance for individuals. By combining buildings and contents insurance, you have all your necessary insurance coverage. Then you can be sure that you are well insured.
Best home insurance
To insure your precious home and belongings, you naturally want the best home insurance. And preferably at the lowest price. No problem, because at Alpina.nl you can find the best home insurance at the lowest premium by comparing. What is the best home insurance depends entirely on your personal situation. For example, do you have a very new home or an older one? And is the home made of stone or other material, such as wood? Whatever your situation, there is a suitable home insurance policy for everyone and for every home.
Insurance for individuals
When you buy a home, it is obviously a big investment. You will probably also purchase (new) furniture and you may need to do some remodeling. You would then do well to insure everything as fully as possible. After all, no one wants to lose an entire investment if, for example, a fire breaks out. If you want to be fully insured, you can opt for home insurance for individuals. By combining buildings and contents insurance, you have all your necessary insurance coverage. Then you can be sure that you are well insured.
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