What is a building insurance?
Building insurance is probably one of the most important insurance policies to take out when you own a home. Imagine that your house burns down completely. What do you do now? You are without a home and do not have the financial means to rebuild it. For this reason among others, it is wise to take out buildings insurance. This insurance covers the reinstatement value when damage occurs to your home; for example, fire damage (if not your fault), storm damage or flooding. Since damage from such events can be extensive, buildings insurance is a "wise investment".
Take out a building insurance as a VVE
Do you live in an apartment complex? Then you probably have to deal with an Owners' Association. This association takes care of the maintenance of the building, for example. Each resident must set aside a certain amount for this.
Often the VVE also arranges the building insurance for the apartments. Everyone is then insured for the same basic amount. You do not have to arrange this yourself. If you need more insurance, you can have the remaining amount insured yourself (the additional building insurance).
Cheaper with VVE
Property insurance through the VVE can be cheaper than individual insurance. Insurers often give discounts for collective insurances.
Flat clause
It is always a good idea to have a flat clause included in your policy. This clause ensures that compensation is paid, even if the damage is caused by another occupant. Does a fire start in the flat next door through the occupant's own fault? Then you need a flat clause to be covered for this damage.
Is it a good idea to take out buildings insurance for your business premises?
Do you have your own business premises? Then it is certainly a good idea to take out buildings insurance. Depending on your activities, anything can happen to your premises. For example, damage may occur due to defective machinery. Damage can also be caused by external influences. Think, for example, of storm damage that causes your roof to break down or walls to be damaged. These are generally not minor damages...
Don't want to be responsible for these costs yourself/as a company? Then take out buildings insurance for your business premises as well.
What is building insurance in English?
Home insurance is also called "home insurance". Which literally means '(house) insurance'. An insurance for your house. This is literally what home insurance is, because it covers the damage that occurs to your house (in certain cases).
Why is it good to know the English translation of building insurance?
Maybe you are going to live abroad or have a holiday home there. In that case, it is always useful to know the English translation of building insurance. You want to be insured abroad to be sure. You will often have to deal with foreign insurers. Do you not master the original language of the country? Then you can probably manage fine in English.
Insurers often have an English option for taking out insurance when necessary. If you then indicate that you want 'home insurance', the insurer immediately knows what you are talking about. This avoids confusion about which insurance you want to take out.
What are the costs for an apartment building insurance?
The costs for a building insurance for your flat usually do not have to be very high. Often the premium starts from a few euros. Of course, this depends on the price of your flat. The more your flat is worth, the higher the premium will be. Are you fitting a new kitchen or getting a new bathroom? Always report this to your insurer. It is possible that your premium will increase because of this. After all, the value of your flat increases.
Other factors may also play a role in calculating the amount of your premium. Think of the location of your flat and your living situation.
Take out your home insurance with Alpina: simple and affordable
Do you own your own home? Or perhaps your own business premises? Then take out building insurance with Alpina. With building insurance from Alpina, you are always covered as completely as possible for the best premium. Do you have any questions about our building insurance? Then please feel free to contact our customer service. We are ready to answer all your questions.
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