What is household effects?
All the loose objects in your house fall under your contents, these are the things you can take without destroying anything. Examples are furniture, clothing and crockery. Wallpaper and laminate, for example, also fall under your contents.
If you are uncertain about the value of your household contents, you can fill in the household contents value meter in our calculator. This module calculates the value of your possessions, so you know for sure that you insure them for the right amount.
Valuables
Your household effects may include, in addition to 'normal' household effects, valuables, among others:
- Art (paintings, sculptures, artefacts)
- Antiques
- Body jewellery (watches and jewellery worn on or around the body, made of precious, precious stone, mineral, pearl, (blood) coral or similar materials)
- Collections
- Musical instruments
- Audio-visual equipment (radio, DVD player, video recorder, CD player, television set, video camera, digital camera, all kinds of computer equipment, photo camera, MP3 player, etc.)
What is included in building/property?
There can be discussion about what should be counted as building and what should be counted as contents when damage occurs or when the sum insured needs to be determined.
You can see the overview of the Association of Insurers, regarding this topic, below.
If the building and contents belong to different people, certain parts mentioned under building may 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.
Please note!
Please note that the contents insurance covers valuables up to a certain amount. In the four major cities (Amsterdam, Rotterdam, Utrecht and The Hague), a maximum reimbursement amount of 5,000 euros applies to audiovisual equipment. Collections and art are covered at the daily value, this amount is often much less than the actual value. Jewellery is covered up to a maximum of EUR 2500. Money and cheques are covered up to EUR 1250, in the four major cities up to EUR 625.
The contents insurance also covers the property around your house. Think of garden furniture and garden tools. A garden fence, on the other hand, falls under the building insurance.
There are some cases where the contents are not covered under the contents insurance. These cases are floods, war damage (damage caused by war or armed insurrection), earthquakes and nuclear disasters.
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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