800,000+ customers
27 locations
92% recommend us

Home insurance, what is the difference with building insurance?

If you want to buy insurance for your home, you will hear some people talk about home insurance and others talk about buildings insurance. But what is the difference? There are about 17 million people and 7.9 million homes in the Netherlands. Most homeowners often choose insurance that pays for damage to the house. There are all kinds of different damages that can occur to your home. Think leakage, window damage, storm damage or fire. If you get damage, you obviously don't want to be stuck with the costs afterwards.

Insurance is a good solution. But which insurance should you take out? And does this insurance fit your situation? In this article, we take a closer look at that and answer the question what the difference is between a home insurance and a building insurance.

difference_between_home_insurance_and_building_insurance

The difference between home insurance and building insurance

To clear up a misunderstanding, there is no difference between home insurance and building insurance. Insurers use these terms interchangeably. Home insurance is insurance that covers all real estate attached to your house. Immovable goods are things that are permanently connected to the ground. Examples are the ceilings, walls, pipes, the roof or a fitted kitchen. With home insurance you ensure that if any damage occurs to one of these items, the insurer pays out the claim amount.

Take out home insurance? Calculate your premium!

What types of damage does a building insurance cover?

Depending on the cover you choose, the insurer will compensate you for damage. Think of damage caused by leaking pipes or fire that breaks out in the kitchen. If your kitchen cabinets go up in fire, the home insurance will cover this. The contents of the cabinets will not be covered. That is what the contents insurance is for.

Every insurer also has grounds for exclusion. This means that in some cases of damage you cannot make a claim on your home insurance. Examples are: negligent or poor maintenance, and preventable damage. Think for example of leaving the attic window open during a heavy rainfall.

Get your home insurance through Alpina: simple and affordable

Are you considering taking out building insurance? Then take it out now through Alpina! Thanks to our years of experience, we can offer you the best insurance. Do you have any doubts or questions about our home insurance? Feel free to contact our customer service. They are ready to answer all your questions.

Calculate the premium of your home insurance directly!

Now with free recovery service

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.

get in touch