Home insurance, how does it differ from building insurance?

There are approximately 17 million people and 7.9 million homes in the Netherlands. Most homeowners often opt for insurance that covers damage to their home. There are all kinds of damage that can occur to your home. Think of leaks, window damage, storm damage, or fire. If you suffer damage, you naturally don't want to be left with the costs.

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.

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.