Insurance for a house

A home contents insurance covers damage to loose items in your home, such as furniture, electronics, clothing and jewellery. Everything you would take with you when moving. This is useful because your belongings are protected against damage by fire, storm, leakage or burglary.

Without insurance, you will be responsible for these costs yourself, which can add up considerably. You will also often receive compensation for theft with home contents insurance, for example if your laptop or television is stolen. For a relatively low monthly premium, you can prevent major financial setbacks.

You can also take out additional coverage for expensive jewelry or an expensive bicycle, for example, so that you are even better protected.

A personal liability insurance (AVP) covers damage that you cause to others or to the property of others. For example, when you drop a television during a family member's move. Or when your child kicks a ball through the neighbor's window.

Liability insurance is not mandatory, but can be a good addition. The costs for damage can be high, while the premium for AVP is only a few euros per month.

Legal expenses insurance is not a mandatory insurance for a house purchase, but it can be a sensible addition. Legal expenses insurance offers legal help and advice in conflicts and disputes. Even as a homeowner, you can end up in a conflict.

For example, with a contractor who does not keep his agreements or with the neighbors who do not take the property boundary so seriously. There may also be problems with your new home. Then it is nice if you are assured of legal assistance.

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

For homeowners, a building insurance is mandatory when there is a mortgage on the home. The building insurance covers damage to the home itself, such as by fire, storm or water damage.

In addition, liability insurance is not mandatory, but is strongly recommended to cover damage to third parties. Contents insurance is optional but offers protection for loose items in the home.

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

A home contents insurance, on the other hand, protects the loose items in the home, such as furniture, electronics and jewellery. Both insurances complement each other and together offer full coverage for your home and possessions.

The costs are different per insurance. The costs for a home insurance depend on various factors, such as:

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

The cost of a term life insurance policy also depends on a number of factors, such as:

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