Home insurance, how does it differ from building insurance?
If you want to buy insurance for your home, you will hear some people talk about home insurance and others talk about buildings insurance. But what is the difference? There are about 17 million people and 7.9 million homes in the Netherlands. Most homeowners often choose insurance that pays for damage to the house. There are all kinds of different damages that can occur to your home. Think leakage, window damage, storm damage or fire. If you get damage, you obviously don't want to be stuck with the costs afterwards.
Insurance is then a good solution. But which insurance should you take out? And does this insurance fit your situation? In this article, we will elaborate on that and answer the question what the difference is between home insurance and building insurance.
The difference between home insurance and building insurance
To immediately clear up a misunderstanding, there is no difference between home insurance and building insurance. Insurers use these terms interchangeably. Home insurance is an insurance policy that insures all real estate attached to your home. Immovable assets are things that are permanently united with the ground. Think of ceilings, walls, pipes, the roof or a built-in kitchen. With home insurance, you ensure that if damage occurs to any of those items, the insurer will pay the claim amount.
What types of damage does home insurance cover?
Depending on the coverage you choose, the insurer will reimburse you for damages. Consider damage caused by leakage to pipes or fire that breaks out in the kitchen. If your kitchen cabinets go up in the fire, home insurance will cover it. The contents of the cabinets will not. That's what contents insurance is for.
Each insurer also has grounds for exclusion. This means that in some cases of damage, you cannot claim on your home insurance policy. Examples include: negligent or poor maintenance, and preventable damage. Consider leaving the attic window open during a heavy rain.
Get your home insurance through Alpina: simple and affordable
Are you considering taking out building insurance? Then take it out now through Alpina! Thanks to our years of experience, we can offer you the best insurance. Do you have any doubts or questions about our home insurance? Feel free to contact our customer service. They are ready to answer all your questions.
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