Do I need to take out home insurance for my rented house?
One of the insurance policies often taken out for a home is home insurance. Home insurance is a combination of buildings insurance and contents insurance. This insures both your home and your contents in the event of damage. Do you live in a rented house? Then you do not have to take out home insurance for your home. This is the responsibility of the landlord. On Alpina.nl you can read exactly how it works with home insurance and a rental house.
Home insurance for rented house, how does that work exactly?
If you rent a house, you are not responsible for taking out buildings insurance. This is arranged by the landlord. In that case, you only need home insurance. In that case you can also take out separate household insurance and possibly supplement it with liability insurance, legal assistance insurance or continuous travel insurance. This combination of insurances is called a home package. If you take out several insurances at the same time, you will receive a discount on the insurance premium. Always check the tenancy agreement to see if the landlord has taken out building insurance for the property. That way you will not have any unpleasant surprises.
As a landlord, do I need home insurance?
As a landlord, you must take out buildings insurance for the property, but you do not have to take out contents insurance. This is the responsibility of the tenant. Liability insurance is also not always applicable, as private liability insurance may not provide enough coverage. You may have to pay an additional premium for private liability insurance or you may have to take out liability insurance for companies. Of course, you can always take out home insurance for your own home.
What are the advantages of home insurance for a rented house?
If you have a rented house, you can always take out a home insurance package. Contents insurance is one of the most important home insurance policies there is. Your possessions are probably very dear to you, so you would like to insure them as well as possible. In addition, liability insurance and legal assistance insurance can also be useful. With a legal assistance insurance you are assured of assistance if you get into a conflict with your landlord.
Take out home insurance directly through Alpina!
At Alpina we have a wide range of household, home and building insurance. Through our online comparison tool you can easily compare all providers on price and content. So you can be sure that you are getting the best insurance at the lowest price.
Do you still have questions or would you like to have a chat? Our insurance specialists are ready for you! You can reach us by phone from Monday to Friday from 08.00 to 18.00 on 088 - 6883700. You can also send us a message via chat, WhatsApp or Messenger.
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