Home insurance death, what do you need to take care of?
After years of fine and happy living together with your partner, you are faced with something terrible: your partner dies. After this terrible event, you and your family must make many arrangements. Besides the funeral, there are also various financial matters involved. This also involves various insurances. How is this arranged when someone dies? What happens to your home insurance? In this blog from Alpina, we discuss home insurance and the consequences of death.
What exactly is home insurance?
In insurance terms, home insurance is also known as building insurance. With home insurance you insure all immovable property (things that are permanently united with the ground) on your house. Think, for example, of your built-in kitchen or the walls of your house. If you want good insurance, it is useful to know the rebuilding value of your house. You can easily calculate this with the reconstruction value meter of the Dutch Association of Insurers. This way you can get a good indication of the expected premium. In addition, it depends on the coverage you choose. Do you want basic insurance or all-risk insurance? Depending on your wishes and requirements regarding home insurance, you will pay a (higher) premium.
The consequences of death and home insurance
How does death affect your home insurance policy? First of all, it is important to know that this depends on your insurer. In this regard, it is important to check the applicable policy terms with this insurer.
In addition, the consideration is whether you will continue to live at the address. If you continue to live there, you can contact the insurer and adjust the home insurance to the new situation. It is important to take another good look at your house. Have there been any renovations or adjustments in recent years? You can calculate this with the rebuilding value meter. This way you can take out a suitable home insurance policy for the new situation. Then you don't pay too much and you still have your house well insured.
Are you not staying at the same address? Then a different arrangement applies. Often you can continue the insurance for a few months. If you continue to live there for some time, you can only cancel the insurance when you move. If you live somewhere else in the meantime, the coverage can continue partially. This has to do with the risk of burglary. Check the conditions with your insurer.
What details of the deceased does the insurer need?
Most insurers require several pieces of information when a death occurs. These include documents from the deceased. These include:
- A copy of the death certificate;
- The relationship you had with the deceased;
- Policy number;
- The name of the insured (what name is the insurance policy in);
- What you want to do with the insurance (convert or cancel)
The insurer will always support you in this process.
Alpina can help you
Do you still have doubts or questions about our home insurance or a change to it? Please feel free to contact our customer service.
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