What damage is covered varies from one insurer to another and from one insurance policy to another. It is therefore wise to read the policy conditions of an insurer before taking out insurance. In any case, the following causes are not covered under any circumstances:
- Damage you have caused yourself deliberately
- Overdue or insufficient maintenance
- Terrorism
- Natural disasters, such as earthquake or flooding
Different Home Contents Insurances
Apart from the different policy values of insurers, there are also different home contents insurances. For example, basic household insurance only covers the consequences of fire, lightning strike, water damage, theft or vandalism. An all-risk household insurance, on the other hand, also covers damage that you have caused yourself accidentally. You can also supplement the above insurance with, for example, valuables insurance or a so called uitvaartverzekering in The Netherlands.
Not Household Insurance but Buildings Insurance
In addition to home insurance, building insurance can also be useful. Household effects include all objects in your home and garden that can be moved without damage. A built-in staircase or a floor that has been glued down does not belong to anyone’s possessions. For such things there is a building insurance (home insurance). This insurance covers your home and all real estate belonging to the house. Think for example of pipes and the central heating.
The Best Insurance for Your Home
Would you like the best and cheapest home insurance for your home? You can! With the help of our comparison engine you can find the best insurer for you within five minutes. That way you can be sure you’re making the right choice when you take out insurance. Compare all home contents insurances, take out insurance and save with this dutch website!
