Is the kitchen part of the contents?
For many people, the kitchen is an important part of their home. When you have damage, it is of course very annoying. Often the costs are also high. Insuring your kitchen is a good choice. But is your kitchen covered by home contents insurance? Or should you take out building insurance for it?
Taking out home contents insurance? Calculate your premium!
The difference between home insurance and building insurance?
When buying a home, it is advisable to have both contents and buildings insurance. But what is the difference? Property insurance covers items that are not attached to your kitchen. Items that are attached to the house are covered by your buildings insurance. In other words, buildings insurance is for the home itself. Contents insurance is for items inside the home.
Damage to the kitchen; does this fall under contents?
The kitchen is a part of the house. It is also not easily moved without breaking and demolition. However, there may be parts that are not attached to the kitchen, such as a loose refrigerator. To clarify what is covered by contents or building insurance, the Association of Insurers has published an overview with guidelines. Please note these are guidelines, there may be differences between insurers. To know exactly what damage is compensated, you can consult your policy.
Building insurance
- Countertop
- Waste disposal unit (part of the kitchen equipment)
- Waste shredder (part of the kitchen equipment)
- Exhaust duct/pipe
- Extractor hood (built-in)
- Outdoor kitchen (fixed)
- Electricity line
- Gas pipe
- Gas tank
- Geyser
- Built-in equipment
- Kitchen (built-in)
- Crane
- Fan (central installation)
- Wall tiles
Contents insurance
- Extractor hood (loose)
- Boiler
- Outdoor kitchen (loose)
- Cooker (loose, not built-in)
- fridge (loose)
Is contents insurance mandatory?
No, contents insurance is not mandatory but it is highly recommended. In addition, it is important to know the exact value of your household contents. Often it is worth more than you think. What if you had to buy everything from scratch in the event of a fire or other unforeseen event? You can probably imagine that this is a major expense. To determine the value of your household contents, you can use the household effects meter as a tool.
Compare contents insurances
If you are going to purchase contents insurance, it is wise to compare well . Insurers exclude certain things from coverage, it is good to compare this as well. Here you can think of damage caused by intentional / gross negligence. Other causes of damage may also be excluded. This can be found in the terms and conditions and any clauses of the insurance policy. Exclusions can also affect the amount of premium offered.
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