Extensive coverage in the event of fire and burglary
Damage to valuable household contents and art due to fire, smoke, fire extinguishing damage, burglary and theft, in accordance with the agreements in the policy.
Finass Insures
Request a quote Exclusive home contents insurance for valuable home contents
Do you have one? high-quality furnishings with art, design, antiques or luxury jewelry? Then a standard home contents insurance is often not sufficient. Immediately exclusive home contents insurance the coverage better matches the actual value of your assets and the associated risks.
This page provides general information about exclusive home contents insurance. We would be happy to assist you with a personal proposal.
Exclusive furnishings in short
- Higher insured amounts for luxury furniture, art and collections.
- Possibility of coverage based on appraisal value and tailor-made conditions.
- Attention to security, storage, transport and prevention.
- Finass Verzekert helps with the selection of a suitable insurer and policy.
Why exclusive home contents insurance?
Standard furnishings are often inadequate
Regular home contents insurance has limitations for valuables, art and special objects. Higher values may lead to underinsurance or limited coverage.
Higher values, higher risks
Art, designer furniture, antiques and luxury jewelry represent a significant value. In the event of damage or theft, you want it to be compensated as well as possible.
Customized for your situation
Exclusive home contents insurance takes into account your total possessions, lifestyle, security and any secondary locations (such as a second home or storage).
What does exclusive home contents insurance cover?
Water damage and other damage
Damage due to leakage or burst pipes may be (partially) insured. Depending on the coverage, other unexpected events are also insured.
All-risk options
Some exclusive home contents insurance policies offer all-risk coverage, which also includes (partially) insuring your own fault or accidents involving valuable items.
Art and collections coverage
Separate attention to paintings, sculptures, design objects and collections, possibly on the basis of valuation or specified frames.
Worldwide coverage (where applicable)
Some policies provide (limited) coverage outside the home, for example during temporary stay elsewhere or during transport. This varies per insurer.
The exact coverage and maximums vary per insurer. Finass Verzekert helps you compare the conditions and options.
What determines the premium for an exclusive home contents insurance policy?
Total value of the contents
The total value of your home contents, including art, jewelry and collections, forms the most important basis for the premium. Valuations and/or inventory lists are often used.
Kind of valuables
Jewelry, watches, art, antiques, wine collections or design: each type of object has its own risk profile and premium structure.
Type of property & location
Detached villa, town house or apartment, in an urban or rural area; this affects risks such as burglary, fire and water damage.
Security level
Alarm systems, camera surveillance, safes, notification to the control room and structural security play an important role in both acceptance and premium.
Use and storage
Are valuables lent, displayed or stored elsewhere (such as in a safe or second home)? This must be carefully coordinated with the insurer.
Deductible and damages
A higher deductible can lower the premium. Previously claimed damages are taken into account in the assessment.
Would you like to know what exclusive home contents insurance costs in your situation? Then request a non-binding premium indication.
Who is exclusive home contents insurance suitable for?
Homeowners with luxury furnishings
For example, residents of villas or spacious town homes with a high-quality interior, designer furniture and extensive equipment.
Collectors and art lovers
Private individuals with paintings, sculptures, photography, design objects or other collections of substantial value.
Owners of jewelry and watches
When the combined value of jewelry, watches and other portable valuables is higher than the standard maximums in a regular home contents insurance policy.
Owners of second homes
For example, an apartment in the city or a holiday home with expensive furnishings, where higher coverage is required.
Internationally oriented households
Households with valuables that regularly stay abroad or are partly internationally oriented, provided that this is appropriate within the policy conditions.
Customized wishes
Anyone who notices that a standard home contents insurance does not reflect the actual value and composition of the home contents.
Security, valuation and prevention
Role of security
With exclusive home contents insurance, insurers often impose security requirements. Think of certified hinges and locks, electronic security and possibly safes or safes.
- Alarm system with notification to control room.
- Cameras or access control.
- Structural security and good locking plan.
Appraisal and valuation
For art, jewelry and special objects, recent appraisal reports or valuations are often used. This prevents discussion in the event of damage and helps prevent underinsurance.
Finass Verzekert is happy to think along with you about valuation, inventory and coordination with the insurer.
Frequently asked questions about exclusive home contents insurance
```What is the difference between regular and exclusive home contents insurance?
Regular home contents insurance is intended for the average home contents and often has standard maximums for valuables. An exclusive home contents insurance policy offers higher insured amounts, more customization and often specific attention for art, jewelry and collections.
Do I always need exclusive home contents insurance if I have art or jewelry?
Not always. For limited values, regular home contents insurance with additional valuables cover may be sufficient. Only when values increase or you own special objects, exclusive home contents insurance can be interesting.
Is an appraisal mandatory?
For certain valuable objects (such as expensive art or jewelry), insurers often ask for a recent appraisal report. This varies per insurer and type of object. An appraisal also helps to prevent underinsurance.
What security requirements apply?
For high insured amounts, stricter security requirements generally apply, such as SKG locks, a certified alarm system and sometimes additional measures. These requirements are laid down in the policy conditions or clauses.
Am I also insured if I take valuables to another location?
That depends on the coverage chosen. Some exclusive home contents insurance policies offer (limited) coverage during transport or temporary stay elsewhere, but this must always be clearly agreed in the policy.
What does Finass Verzekert need for a quote?
For a good quote, we need, among other things: an indication of the value and composition of your belongings, information about art, jewelry and other valuables, information about the home and security and any existing valuation reports. On this basis, we compare suitable solutions from different insurers.
Would you like to apply for exclusive home contents insurance? Request a customized quote
Finass Verzekert helps you identify your valuable home contents and select a suitable exclusive home contents insurance policy.
You will usually receive a response within a short time. Together we will look at which solution best suits your belongings and wishes.
