Almost all Dutch people with a rental or owner-occupied home take out a home content insurance.
This insures them against damage to the belongings in the home. The amount you receive back in the event of damage is, of course, very important. Many insurers only reimburse your belongings at current market value. And that is far too little to buy a new computer, for example. So check carefully in which situations the contents insurance covers current market value or replacement value.
"}},{"componentType":"paragraph","title":"Make a conscious choice between basic or all-risk coverage","richBody":{"value":"Many people who own a home also take out a home structure insurance finished. Do you have a mortgage? Then buildings insurance is often mandatory. With the Basic Coverage of the ING Buildings Insurance, damage to your home (buildings) is reimbursed. This includes damage caused by fire, storm, (sewage) water, and theft, among other things. With All-risk coverage, you are also insured for damage that you accidentally cause yourself. This includes damage to your tiled or glued parquet or laminate floor caused by accidentally dropping something on it. This could be something heavy or sharp, but damage caused by, for example, (soaking) oil, coffee, or wine is also covered. Damage to your built-in ceramic hob or your worktop caused by accidentally dropping a pan is also covered.
Therefore, always determine which coverage you want first before comparing premiums. With many contents insurance policies, you can also choose between Basic and All-risk coverage. Even with basic contents insurance coverage, damage to your belongings caused by fire, water, and theft, among other things, is reimbursed. Do you opt for All-risk coverage? Then your belongings are also insured against damage you accidentally cause yourself. Think of a glass of drink you accidentally knock over your chair, sofa, or rug, your child throwing a toy car at the television, or your glasses you accidentally sit on.
"}},{"componentType":"paragraph","title":"Buildings insurance for your apartment?","richBody":{"value":"Do you live in an apartment? Most apartments have comprehensive buildings insurance through the Homeowners Association (VvE). Check if this is the case for you so that you are not double insured. However, you must arrange contents insurance yourself, as the VvE does not take this out.
"}},{"componentType":"paragraph","title":"How do you get help with damage?","richBody":{"value":"Don't just look at what is covered, but also at how you are assisted in the event of damage. One insurer may be businesslike and distant, while another is much more personal. Especially if you have experienced a fire or have been deeply shaken by a burglary, it is reassuring to have a dedicated contact person who handles everything until it is fully settled.
Milo | Blogger
Milo is a Customer Journey Expert and blogs about topics he encounters around the house.