Should I purchase home insurance for my rental property?
One of the insurance policies often purchased for a home is home insurance. Home insurance is a combination of buildings insurance and contents insurance. This insures both your home and your contents in the event of damage. Do you live in a rented house? Then you do not have to take out home insurance for your home. This is the responsibility of the landlord. On Alpina.nl you can read exactly what is involved with home insurance and a rental house.
Home insurance rental property, what about it exactly?
If you rent a property, you are not responsible for purchasing buildings insurance. This is arranged by the landlord. You will only need contents insurance. In that case, you can also take out a separate home contents insurance and possibly supplement it with liability insurance, legal assistance insurance or continuous travel insurance. We call this combination of insurances a housing package. If you take out multiple insurance policies at the same time, you will receive a discount on the insurance premium. Always check in the rental agreement whether the landlord has indeed taken out home insurance for the house. That way you will not be unpleasant surprises.
As a landlord, do I need home insurance?
As a landlord, you must provide buildings insurance for the property, but you are not required to provide contents insurance. This is the tenant's own responsibility. In addition, liability insurance is also not always applicable, as private liability insurance may not provide enough coverage. You may have to pay an additional premium on private liability insurance or you may have to purchase business liability insurance. Of course, you can always purchase residential insurance for your own home.
What are the benefits of home insurance for a rental property?
If you have a rental property, you can always purchase a home contents package. Contents insurance is one of the most important home insurance policies out there. Your belongings are probably very dear to you, so naturally you want to insure them as well as possible. In addition, liability insurance or legal expenses insurance can also come in handy. With legal expenses insurance, you are assured of assistance if you get into a conflict with your landlord.
Get home insurance through Alpina right away!
At Alpina we have a wide range of household, home and building insurance. Through our online comparison tool you can easily compare all providers on price and content. So you can be sure that you are getting the best insurance at the lowest price.
Do you have any questions or would you like to consult? Our insurance specialists are waiting for you! You can reach us Monday through Friday from 8 a.m. to 6 p.m. by phone at 088 - 6883700. You can also send us a message at any time via chat, WhatsApp or Messenger.
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