What is a building?
The building is understood to mean the things that are fixed in and to the house. These parts of your house require demolition or breaking to remove them. Think about the windows, ceilings, doors and walls. Fences, garden gates, hedges and planted trees are also included in the buildings.
Please note:
The dishwasher, a bathroom cabinet or wallpaper, for example, are part of your household contents. See the overview below.
Premium base:
The premium of your building insurance is based on the reinstatement value of your house.
Reinstatement value:
The reinstatement value of your house is especially important for the premium of your building insurance. There is a difference between the reinstatement value and the purchase value of the house. The reinstatement value does not include the value of the plot.
Please note:
Damage caused by calamities such as natural disasters and acts of war (war and armed insurrection) are not covered.
What is included in building/property?
Regularly discussions arise about what should be considered part of the contents and what should be considered part of the building when damage occurs or to determine the insured sum.
Below you will find the overview of the Association of Insurers.
If the building and contents belong to different people, certain parts that are referred to as "building contents" can still fall under "contents" if the following requirements are met:
- The owner of the contents of the building has, at his own expense, improved/applied to the building
- The property owner has taken over an improvement already made by the previous occupant against payment
- And the owner of the farm or its insurer will not pay compensation and/or repair the damage.
Overview Association of Insurers
Contentsair conditioning (loose) extractor hood (loose) antenna + connection sculpture (loose) security installation safety lighting building material/building complete artwork (stand-alone) lantern (without foundation) marquees nameplate underlay fireplace (loose) parquet/laminate (loose) satellite dish solarium carpet sign fitted carpet flagpole (loose) soft floor cover sundial blinds (inside and outside) |
Opstal
countertop
earth leakage switch
air conditioning (fixed)
Waste disposal unit (part of kitchen)
Waste shredder (part of the kitchen)
drain/pipe
extractor hood (built-in)
sculpture (fixed)
call
wallpaper
paving
panelling
bidet
lightning strike
boiler
Building material/building incomplete
mailbox
greenhouse
c.v. installation
central antenna
door closer
entry phone
shower
Electricity line
fence
gas pipe
gas tank
geyser
glass in windows and doors
house number plate
home phone
built-in equipment
kitchen (built-in)
crane
structure (masonry/substantiation)
cork flooring/parquet
opstal
lantern (with foundation)
linoleum (glued)
marmoleum
meter cupboard
masonry
oil tank
fireplace (fixed)
parquet (fixed)
parquet/laminate (glued together)
pergola
tiled floor
Shutter (sun protection/intrusion)
sanitary
sauna
Paintwork
fence
septic tank
key (external/internal doors, windows)
hoover, central installation
thermostat
toilet (incl. cistern)
transformer
fan
Heating system
pond (incl. fountain)
vinyl (glued)
gust standard (in garden or on building)
loft ladder
FLOOR LAYER
aviary
folding walls
wall tiles
washbasin
water pipe
Windbreaks
solar collector (on roof)
swimming pool (incl. filter system, stairs, cover)
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