Is it necessary to take out contents insurance?
Is household contents insurance necessary? Many people wonder whether it is better to take out contents insurance or to save on it. In this article we will give you more information. For example, what exactly is household insurance? What are the approximate costs and what are the benefits?
What is household insurance?
Do you take out household contents insurance? Then you cover your household effects against certain forms of damage. The coverage can vary from provider to provider (always check the policy terms!). As a rule, you can always count on cover against the following types of damage:
- Damage by fire
- Damage by lightning
- Water damage
- Theft (damage in the form of loss of your belongings)
- Damage by vandalism
Did your house burn down? In most cases, you can get compensation for the contents of your home through the contents insurance. Of course, you must not be at fault.
Important: the contents insurance only covers moveable property in your home. A television, for example, is covered by contents insurance; a built-in dishwasher is not. For this, a building insurance would offer a solution.
The cost of contents insurance
The premium you pay for contents insurance will differ from case to case. It depends on the size of your home, and whether you have a thatched roof, for example. In some cases, the premium is also made dependent on income. A logical reasoning here is that people with a high income may have more expensive items than people with a low income. And although this does not always have to be the case: insurers use general statistics when assessing risks.
Be that as it may, the premium for home insurance is generally not very high. It is often possible to get cover for just a few euros.
What are the advantages of contents insurance?
First of all, home contents insurance brings peace of mind. You pay a relatively low premium and know that damage is covered for all your (separate) belongings within the home. Building on this, it is an advantage that the premium for contents insurance is almost disproportionate to what you will be paid in the event of certain damages.
Take out contents insurance?
Taking out home contents insurance is a good idea. It costs you little money, and the benefits are great. The damage caused by fire, for example, is enormous, and as a consolation you will at least receive a considerable amount of money back.
Take out your contents insurance through Alpina
Do you want to purchase contents insurance? At Alpina you can easily compare different household insurance policies. We always offer you a good overview with the best coverage and the best premiums. Do you have any questions about home contents insurance? Do not hesitate to contact Alpina. Our insurance specialists will be happy to advise you about all the possibilities!
We can be reached via Chat, Whatsapp, phone or email
Please feel free to contact us if you would like to know more.
We are here Monday to Friday from 08:00 to 18:00.