Extensive fire and storm coverage
Damage to the home due to fire, lightning, explosion, smoke, storm and sometimes additional events, according to the policy conditions.
Finass Insures
Request a quote Exclusive building insurance for villa or luxury home
Do you own one? villa, country house, monumental building or luxury city home? Then a standard building insurance often does not fit seamlessly with the high one rebuilding value, luxurious finishes and special facilities. With an exclusive home insurance policy, the coverage is tailored to your home and your wishes.
This page provides general information about exclusive home insurance. We would be happy to assist you with a personal proposal.
Exclusive building in short
- Customized building coverage for villas, country houses and luxury homes.
- Attention to outbuildings, swimming pools, wellness areas and custom finishes.
- Focus on correct reconstruction value and prevention of underinsurance.
- Finass Verzekert compares suitable solutions with specialized insurers.
Why exclusive building insurance?
High rebuilding value
For luxury homes with special architecture, high-quality materials and custom finishes, the reconstruction value can be considerably higher than standard. This requires an appropriate sum insured and good agreements.
Special parts and facilities
Think of thatched roofs, monumental elements, wellness areas, indoor garages, swimming pools or exclusive kitchens. These require extra attention in the coverage.
Risk management and continuity
With large assets, continuity and maintenance of quality of life plays an important role. Exclusive home insurance is part of a broader asset and risk strategy.
What does exclusive home insurance cover?
Water damage and precipitation
Damage due to leaks, burst pipes or heavy precipitation may be (generously) insured, depending on the coverage chosen.
Burglary, vandalism and collision damage
Damage to facade, windows, doors and fencing due to burglary, vandalism or collision by vehicles.
Outbuildings and outdoor facilities
Coverage for garages, guest houses, pool houses, conservatories, garden sheds, swimming pools and permanent garden and grounds facilities, if included in the insurance.
Costs after damage
Clearance costs, rescue costs, costs of temporary shelter and other additional costs may be part of the cover.
The exact coverage, maximums and conditions differ per insurer. Finass Verzekert helps you compare suitable policies.
What determines the premium of an exclusive home insurance policy?
Reconstruction value of the home
The costs to rebuild the home in a comparable condition are leading. Architecture, materials, finishing and special components are taken into account.
Type of house & construction method
Detached villa, monumental building or modern city villa, with or without thatched roof or special constructions; all this influences the risk profile.
Location and environment
Location (city/rural), distance to the fire brigade, proximity to water or nature reserves and local risk factors play a role in the premium.
Security level
Existing security measures (alarm system, control room, cameras, fencing) are included in the assessment and may result in a premium discount.
Deductible and claims history
The amount of the deductible and any previous damage influence the final premium and acceptance.
Combination with other insurances
Exclusive home insurance is often part of a broader private package or asset solution, which can influence the conditions and price.
Curious what this means in your situation? Request a non-binding premium estimate.
Who is exclusive home insurance suitable for?
Owners of villas and country houses
Homes with a high value, large contents and luxurious finishes require a different approach than a standard terraced house.
Monumental and characteristic buildings
Monuments and characteristic buildings often have higher repair costs and specific requirements for damage repair.
Homes with special facilities
For example, homes with an indoor swimming pool, wellness, large glass areas, thatched roof or extensive home automation.
Owners with extensive outbuildings
Guest houses, pool houses, orangeries, spacious garages and other outbuildings of considerable value.
Private individuals with estate planning
Households where the home is part of a larger capital structure and where continuity is important.
Those who want tailor-made conditions
Anyone who notices that a standard home insurance policy does not sufficiently match their own home in terms of coverage, maximums and clauses.
Security, conditions and underinsurance
Security requirements
An exclusive building insurance policy often includes specific security and prevention requirements. Consider certified hinges and locks, an alarm system with a control room and sometimes extra measures for certain risk areas.
- Alarm system (often with notification).
- Cameras and site security.
- Fire and smoke detection, extinguishing facilities.
Prevent underinsurance
By working with a realistic reconstruction value, indexation and, where possible, guarantees against underinsurance, you avoid having to bear part of the damage yourself in the event of damage.
Finass Verzekert works with you to determine the value and policy conditions, so that coverage and expectations are well matched.
Frequently asked questions about exclusive home insurance
```What is the difference between regular and exclusive home insurance?
Regular home insurance is aimed at standard residential properties and often has general maximums and conditions. An exclusive building insurance policy is intended for villas, country houses and luxury homes, with higher insured amounts, more customization and specific attention to special components and facilities.
When do I need exclusive home insurance?
If the rebuilding value of your home is considerably higher than average, you have many special facilities or a standard policy seems insufficient in terms of coverage and maximums, exclusive building insurance is worth considering.
How is the reconstruction value of my home determined?
The reconstruction value is determined on the basis of, among other things, content, surface area, materials used, level of finish and special features. Sometimes a (construction) report or appraisal is used. We help you provide the correct data.
Are there stricter security requirements?
Yes, with high insured amounts, insurers generally impose stricter requirements on security and prevention. These requirements are laid down in the policy conditions or clauses. Good compliance with this is important for coverage.
Is my swimming pool, pool house or guesthouse automatically insured?
Not always. Outbuildings and outdoor facilities often need to be explicitly stated, including their value and function. On this basis, appropriate coverage can be arranged.
What does Finass Verzekert need for a quote?
For a good quote, we ask for, among other things: address and type of home, contents and surface area, information about year of construction and renovations, special facilities (such as swimming pool, wellness, thatched roof), security measures and any previous damage. We use this data to compare suitable solutions from different insurers.
Would you like to apply for exclusive building insurance? Request a customized quote
Finass Verzekert helps you carefully map your home and outbuildings and find a suitable exclusive building insurance policy.
You will usually receive a response within a short time. Together we will look at which solution best suits your home and wishes.
