Do I need valuables insurance?

Valuables insurance cover

You can also additionally insure your valuables with contents insurance. However, the coverage is often limited and not all damage is compensated. With a valuables insurance you are assured of more extensive coverage than the contents insurance. You can see the valuables insurance as an additional coverage to your contents insurance.
For example, in most cases you are also insured against damage or theft outside the home. However, this often requires that you are not at fault and a maximum amount applies.

Usually, you are insured with valuables insurance against:

• Loss
• Theft
• Damage
• Destruction

Not covered with cost insurance

With a valuables insurance you are well insured for your valuables, but insurers also apply a number of exclusions such as:

• Damage due to inherent defect
• Intentional Damage
• Damage during rental
• Damage during wear and tear
• Damage caused by cleaning, processing or repair
• Damage caused by e.g. flooding, acts of war, earthquake or nuclear reaction
• Theft from an unlocked room without forced entry

Please note that the coverage of the cost of living insurance may differ from one insurer to another. Always check the conditions of your policy.

Take out cost insurance

When you take out cost insurance, you need to know the value of your valuables. It is important that you have a good and complete valuation report made. Many insurers value the valuables themselves on the basis of purchase notes and jeweler's declarations. But you can also hire a recognised appraiser yourself. Check regularly whether the valuables listed on your policy are still correct. This way, you avoid unpleasant surprises in the event of damage or theft and you are always optimally insured. Good to know: you can only take out valuables insurance in combination with contents insurance.

Concurrent insurances in the case of cost insurance?

Valuables are also partly covered by the contents insurance. In the event of damage, such as fire, there may therefore be a concurrence of insurances. This means that the damage is covered by several insurances. In this case by your home contents insurance and your valuables insurance. Insurers have agreed that in such situations the specific insurance takes precedence over the general one. So in the first instance the damage will be covered by your valuables insurance.

Compare contents insurance

At Alpina.nl , you can quickly and easily compare household insurance policies by filling out a few questions. The calculation module does the rest for you. You can also view the policy values and compare them if you wish. There are a few things to keep in mind while comparing.

On our website, all possibilities are clearly set out for you. Have you found the right home contents insurance? Then you can choose to take out the insurance directly. If you want to make an application, please mention any particularities so that we can submit the application directly to the right insurer.

You can also compare and take out other home insurance policies, such as buildings insurance or liability insurance, at Alpina.nl. Requesting a free quote is also possible. You will quickly receive an e-mail.