Particulier & recreatie • Vakantiehuis & Recreational home • België
Holiday home insurance in Belgium – insure your holiday home or holiday home
A holiday home insurance in Belgium beschermt uw vakantiehuis, chalet of Recreational home tegen schade door fire, storm, burglary, vandalism, water damage and glass damage. Of uw tweede huis nu in de Ardennes, on the Belgian coast, in Limburg or elsewhere in Belgium staat: met de juiste Insurance voorkomt u hoge kosten bij schade.
Through it Holiday Homes concept is uw vakantiewoning in België allrisk verzekerd in combinatie met een gespecialiseerde verzekeraar. In many cases it is zelfs earthquake damage meeverzekerd. Wat er ook gebeurt en waar de schade ook ontstaat: wij zorgen ervoor dat de schade snel en zo veel mogelijk is handled in silenceso that you can continue to enjoy yourself worry-free.
Holiday home insurance Belgium in brief
We (Finass Verzekert) compare holiday home insurance with several specialized providers, zodat u voor de holiday home verzekering in België een the best possible premium én passende dekking krijgt.
Main features
- Comprehensive coverage for your holiday home or holiday home in Belgium.
- Coverage for fire, storm, burglary, vandalism, leakage and precipitation.
- Glass damage, precipitation damage and damage to antennas or sun blinds are often included in the insurance.
- In many cases also cover for this earthquake damage.
- Possibility to contents, rental and liability to insure.
You insure a holiday home with a building insurance for holiday homes voor het gebouw zelf, eventueel aangevuld met A aparte home contents insurance for the loose stuff.
Why take out holiday home insurance in Belgium?
Your second home is a valuable investment
Een Holiday home in België – of dat nu een chalet in de Ardennen of een huisje aan zee is – vertegenwoordigt vaak een significant value. Met een gespecialiseerde holiday homeverzekering voorkomt u dat u bij brand, storm of inbraak zelf voor de herstelkosten opdraait.
Vacancy and changing occupancy
A holiday home is often in contrast to your main home partially empty of wordt het tijdelijk verhuurd. Standaard building insuranceen sluiten dit vaak uit of beperken de dekking. Een vakantiehuisverzekering is juist afgestemd op recreational use and rental.
Protection when renting to third parties
Verhuurt u uw holiday home in België (bijvoorbeeld via een park, platform of particulier)? Dan wilt u zeker zijn dat damage by tenants, inbraak tijdens verhuur en eventueel huurverlies goed geregeld zijn. Met de juiste polis blijft uw woning verzekerd, As long as it matters toegestane verhuur.
✔ Protection against fire, storm, burglary, water damage and earthquake damage
✔ Suitable for personal use, family use and (temporary) rental
✔ Tailored to holiday homes and holiday homes in Belgium
Benefits of holiday home insurance in Belgium through Finass Verzekert
Extensive all-risk coverage
Holiday home insurance through Holiday Homes usually offers a very broad all-risk coverage for your home in Belgium:
- damage due to fire, storm, burglary, leakage and precipitation;
- glass damage and damage to fixed installations;
- in many cases too earthquake damage;
- options for contents, glass and rental coverage.
Why it is better to be insured with us
We are here for the customer:
- More than 25 years of experience with recreational and private insurance.
- Personal contact and easily accessible service.
- We compare several specialized insurers.
- Lowest price guarantee and often High Package Discount.
- Active assistance in the event of damage – even if you are not in Belgium.
How do you find the best holiday home insurance in Belgium?
By comparing holiday home insurance policies on coverage, conditions, deductible and premium. Let onder meer op:
- all-risk or limited coverage;
- conditions surrounding vacancy and rental;
- amount of the deductible per damage;
- basis of value (reconstruction value / insured amount);
- options for additional contents and liability coverage.
Finass Insures zet de mogelijkheden helder op een rij en adviseert welke oplossing het beste bij uw situatie past.
What does holiday home insurance cover in Belgium?
The holiday home insurance covers second homes, holiday homes or holiday homes in Belgium. Het gaat om A all-risk building insurance voor schade aan het holiday home, met diverse extra mogelijkheden.
Coverage for the building (structure)
The building insurance for holiday homes in Belgium insures:
- the holiday home or holiday home itself (walls, roof, foundation);
- permanently installed items such as kitchen, bathroom and fixed floors;
- shed, garage and outbuildings (policy dependent);
- garden walls, boundary fencing, terraces, garden paths and paving;
- any swimming pools, verandas and garden houses (conditions dependent).
In principle, everything that is firmly attached to the plot is covered by the buildings cover.
Causes of damage (all-risk basis)
Based on all-risk coverage, you are generally insured for damage caused by:
- fire, scorching, smoke and extinguishing damage;
- storm, lightning strike and other natural damage;
- burglary, theft and vandalism;
- leaks, rain damage and water damage;
- glass damage and precipitation damage;
- in many cases: earthquake damage.
The exact events that are insured are stated in the policy conditions. We are happy to explain this.
contents, rental and liability
In addition to the building, you can additionally insure:
- Contents: furniture, equipment, curtains, decoration and other loose items.
- Rental coverage: cover for damage during (temporary) rental, possibly including rental loss.
- Glass insurance: extra attention to windows and glass doors.
- Liability as owner through separate liability insurance.
Regular home contents insurance in the Netherlands does not cover the contents of your Belgian holiday home. That's what this is for specific holiday home contents insurance necessary.
More information about coverage and conditions: view the general holiday home insurance
Own use, rental and vacancy of your holiday home in Belgium
Own use and family use
Many holiday homes in Belgium are mainly by the owner and his/her family used. The coverage is tailored to:
- number of weeks per year that you use the house yourself;
- periods of vacancy and occupancy;
- any guests or friends who use the house temporarily.
Omdat het huis niet permanent bewoond is, zijn de risico’s anders dan bij een hoofdwoning. De holiday homepolis houdt hier rekening mee.
(Temporary) rental
Verhuurt u uw vakantiehuis in België (bijvoorbeeld via een parkexploitant of Holiday homeplatform)? Dan is het belangrijk dat:
- rental explicitly permitted is within the policy;
- damage by tenants and extra wear and tear are properly arranged;
- Rental loss in the event of major damage may be insured.
As long as it matters temporary rental en binnen de voorwaarden blijft, blijft het holiday home in veel gevallen gewoon verzekerd. Wij controleren dit zorgvuldig voor u.
In which countries do we insure a holiday home?
This page is about the holiday home insurance in Belgium. Through itzelfde concept kunt u echter ook woningen in andere landen laten verzekeren.
Specialist in holiday homes
Specialist in insuring holiday homes:
- Chalet
- Mobile home
- holiday home
- Recreational home
On parks, private land or in small-scale projects, both in the Netherlands and in other countries.
Chalet / mobile home – countries
Possibilities for chalet and mobile home include:
- The Netherlands
- Belgium
- Germany
Holiday home – countries
Possibilities for holiday homes and holiday homes include:
- The Netherlands
- Belgium
- Germany
- France
- Ireland
- Italy
- Luxembourg
- Monaco
- Austria
- Portugal
- Spain
- United Kingdom
What determines the premium of your holiday home insurance in Belgium?
Features of the house
- type of holiday home (chalet, detached house, apartment);
- year of construction, building material (wood, stone, etc.);
- location (Ardennes, coast, city, countryside);
- reconstruction value / insured amount;
- presence of outbuildings and swimming pool.
Use, rental and security
- only personal use or (partial) rental;
- frequency of residence and vacancy;
- security (good hinges and locks, alarm, park access);
- accessibility of emergency services and fire brigade;
- any previous damage.
Coverage, deductible and package discount
- choice of basic or all-risk cover;
- whether or not there is contents, glass and rental coverage;
- amount of the deductible per damage;
- possible package discount (more insurance with Finass Verzekert);
- payment method (monthly, annually).
De premie voor een holiday home insurance in Belgium is altijd maatwerk. Een korte inventarisatie is nodig om een goede indicatie te kunnen geven.
Curious about the premium for your holiday home insurance in Belgium?
Question one no-obligation quote On. You will usually receive a proposal within a short time.
Who is holiday home insurance in Belgium suitable for?
Private individuals with a second home in Belgium
Ideal for private individuals with:
- holiday home in the Ardennes;
- holiday home on the Belgian coast;
- chalet in a wooded area;
- second home in city or village (recreational use).
Owners who rent (temporarily).
For owners who want their Belgian holiday home temporary rental, for example:
- rental via park or manager;
- rental via online platforms;
- rental to family, friends or relations.
We ensure that rental is permitted according to the policy conditions and that the tenant risk is properly regulated.
Investors and recreational real estate
Ook voor kleine beleggers of eigenaren van meerdere Recreational homeen in België is een vakantiehuisverzekering onmisbaar. Wij helpen bij:
- multiple objects in one package;
- structure (private, partnership, BV, fund);
- coordination with other property insurance policies.
Frequently asked questions about holiday home insurance in Belgium
What exactly is holiday home insurance in Belgium?
Holiday home insurance in Belgium is one building insurance speciaal voor tweede woningen, vakantiehuizen en recreatiewoningen in België. De polis dekt schade aan het gebouw door onder andere brand, storm, inbraak, vandalisme, lekkage en neerslag. Vaak gaat het om een allriskverzekering, die kan worden uitgebreid met een home contents insurance, glasdekking en verhuurdekking.
Is my regular Dutch home insurance sufficient for my holiday home in Belgium?
No, in most cases not. Standard home insurance in the Netherlands only applies to you main residence in the Netherlands. Een holiday home in België valt hier meestal niet onder of maar zeer beperkt. Vanwege leegstand, buitenlandse ligging en ander gebruik heeft u een specifieke holiday homeverzekering gericht op België necessary.
Are the contents of my Belgian holiday home automatically insured?
Nee. De building insurance dekt het gebouw en wat daaraan vastzit. Wilt u ook meubels, apparatuur, decoratie en andere losse spullen in uw Belgische vakantiehuis verzekeren, dan is een aparte home contents insurance voor het vakantiehuis necessary. This can often be included in the same policy as the home insurance.
Can I rent out my holiday home in Belgium with this insurance?
In many cases it is temporary rental toegestaan, mits dit helder in de polis is opgenomen. Er kunnen Conditions gelden voor:
- the number of weeks of rental per year;
- the type of rental (via park, platform or private individual);
- or rental loss will be reimbursed in the event of damage.
Finass Insures controleert per verzekeraar wat is toegestaan en kiest samen met u de polis die het beste aansluit bij uw verhuurplannen.
Is my holiday home in Belgium insured if it is vacant (for a long period of time)?
Yes, holiday home insurance takes this into account periods of vacancy. Wel kunnen er Conditions gelden, bijvoorbeeld een meldplicht bij langdurige leegstand of aangepaste dekking bij zeer lange onbewoonde perioden. Wij leggen u precies uit hoe dit bij uw polis werkt.
Is earthquake damage to my holiday home in Belgium also covered?
In many cases, holiday home insurance through Holiday Homes also offers dekking voor earthquake damage. De exacte dekking hangt af van de gekozen verzekeraar en polisConditions. Wanneer aardbevingsrisico een rol speelt, kijken we specifiek naar deze clausules en adviseren we u over de best passende oplossing.
What is the difference between buildings and contents insurance for my holiday home?
In short: the building insurance is voor alles wat vastzit aan de woning (muren, dak, vaste vloeren, keuken, badkamer, vaste leidingen, schuur, Garage, tuinafscheiding, etc.). De home contents insurance is voor alles wat los staat in de woning (meubels, apparatuur, kleding, decoratie). Voor een volledige bescherming van uw holiday home in België zijn beide vaak gewenst.
Can I insure multiple holiday homes in different countries through one advisor?
Ja. Heeft u naast uw Belgische vakantiehuis nog een vakantiewoning in Nederland, Frankrijk, Spanje of een ander EU-land? Dan is het vaak mogelijk deze via hetzelfde concept te verzekeren. Finass Insures kan uw recreational real estate portfolio in kaart brengen en zorgen voor een heldere, overzichtelijke Insurancesstructuur.
What information is required for a holiday home insurance quote in Belgium?
For a good and competitive quote, we ask, among other things:
- address and type of holiday home (chalet, house, apartment, holiday home);
- year of construction, surface area, building material;
- reconstruction value or desired insured amount;
- use (own use only, partial rental, full rental);
- period of occupancy and vacancy;
- information about location (coast, Ardennes, city, countryside);
- existing security (locks, alarm, park security);
- desired additional coverage (contents, glass, rental, liability);
- any previous damage and current insurer.
We compare with this data multiple insurers en ontvangt u een voorstel dat past bij uw holiday home in België en uw wensen.
Would you like to take out holiday home insurance in Belgium? Request a no-obligation quote
Do you want your holiday home, chalet or holiday home in Belgium? optimal and carefree verzekeren? Finass Insures helpt u met een tailor-made holiday home insurance, afgestemd op locatie, gebruik, rental en waarde van uw woning.
Request a quote for holiday home insurance in Belgium
Would you prefer direct personal contact? Call 072 – 509 24 56 or email to info@finass.nl. We denken graag met u mee over de beste oplossing voor uw holiday home in België.
