What is household insurance?

What is the best home contents insurance?

There are many different types of household insurance. What is the best home contents insurance? That depends entirely on your personal situation and the coverage you choose. In the basic coverage the consequences of fire, lightning, water damage, theft and vandalism are covered. Besides this basic coverage, you can choose additional coverage, such as an exterior coverage, or a valuables insurance. The most extensive coverage is the all-risk household insurance. Often the contents insurance is concluded together with a building insurance or a liability insurance. When you take out more than one home insurance policy, you benefit from a package discount.

The differences between the insurance companies can be great. So it pays to compare well. Do you want to know what you will pay for contents insurance? Calculate it with the tool below. You can then immediately take out household contents insurance.

What is included in the contents?

What exactly do we mean by household effects? In short, we mean household effects: all the things in your house that are not fixed and therefore easy to move. Such as your furniture, clothing and appliances. All items that are easy to take with you when you move house are considered household effects. Items that are fixed to your home, such as a built-in kitchen, should be insured separately with a building insurance. Coverage for household effects outside the home is usually excluded. In many cases you can take out an exterior cover. Read here how it works with a laptop and the contents insurance.

Why take out home contents insurance?

Even if you don't have the most expensive furniture or a rare collection, your things add up to a lot. If, for example, your house catches fire or is broken into and you need to replace all of these items, you will have to dig deep into your pockets. Taking out home contents insurance can therefore be worthwhile. Moreover, damage to your belongings is not always preventable, even if you are very careful. Damage caused by storms, for example, is not always something you can do yourself. The terms and conditions of your insurance policy describe the causes in which an insurer will pay compensation. They also describe when there is no coverage under the contents insurance.

Does my home contents insurance move with me?

Are you going to move house? Then it is important to inform your insurance company in time about the move. You can simply take the contents insurance with you to your new home. All you have to do is let us know the change of address. We will make sure that your insurance company will be informed. A move is also a good time to review your insurance policies. Do you have new furniture or new appliances, for example? Then the value of your possessions may change.

What is the premium of a contents insurance?

The premium of a contents insurance is the amount you pay monthly (or other period) to the insurer. The amount of the premium depends on your personal situation and the coverage you choose. When you take out household contents insurance, you can choose up to what amount you want to be insured. This value is closely related to the amount of your premium. The higher the value of the contents, the higher the premium. To determine the value of your possessions there is a tool, the value meter.