Home insurance

Contents insurance covers damage to the loose items in your home, such as furniture, electronics, clothing and jewelry. Everything you would take with you when you move. This is convenient because your belongings are protected against damage from fire, storm, leakage or burglary.

Without insurance, you will have to pay these costs yourself, which can add up considerably. Home contents insurance also often provides compensation in case of theft, for example if your laptop or television is stolen. For a relatively low monthly premium, you can avoid major financial setbacks.

In addition, you can take out extra coverage for expensive jewelry or an expensive bicycle, for example, so that you are even better protected.

Liability insurance for private, (AVP) covers damage you cause to others or other people's belongings. For example, when you drop a television out of your hands while moving a family member. Or when your child kicks a ball through the neighbor's window.

Liability insurance is not mandatory, but it can be a good addition. The cost of claims can be high, while the premium for an AVP is only a few euros per month.

Legal expenses insurance is not mandatory insurance with a purchase home, but it can be a wise addition. Legal expenses insurance provides legal help and advice in conflicts and disputes. Even as a homeowner, you can find yourself in a conflict.

For example, with a contractor who does not keep his appointments or with the neighbors who do not keep to the property line. There may also be problems with your new home. Then it is nice to be assured of legal help.

If you become incapacitated or unemployed unexpectedly, home insurance ensures that you can continue to pay your mortgage payments. This prevents you from having to sell your home.

Homeowners are required to have buildings insurance when there is a mortgage on the home. Building insurance covers damage to the home itself, such as from fire, storm or water damage.

In addition, liability insurance is not mandatory but is highly recommended to cover third-party damages. Contents insurance is optional but provides protection for loose items in the home.

Property insurance covers damage to the fixed parts of the house, such as the walls, roof and pipes. This is important to protect your home from damage caused by fire or storms, for example.

Contents insurance, on the other hand, protects loose items in the home, such as furniture, electronics and jewelry. Both policies complement each other and together provide complete coverage for your home and belongings.

Costs vary from one insurance policy to another. The cost of home insurance depends on several factors, including:

• Your family composition
• Type of coverage
• Your hometown
• The type of property
• The building type of your home
• The chosen deductible

The cost of term life insurance also depends on a number of factors, including:

• Your age
• The term of the insurance
• The amount of the sum insured
• Your health
• Whether or not you smoke
• The form of insurance