Fire, smoke and extinguishing damage
Damage to your home contents due to fire, smoke and extinguishing work is generally insured, according to the policy conditions.
Finass Insures
Request a quote Contents insurance for your home
With home contents insurance your... things in the house insured against damage caused by, among other things fire, burglary, theft and water damage. Think of furniture, electronics, clothing and other household goods. Finass Verzekert helps you find suitable coverage and premium.
Please note: this page is general information and not personal advice. You can contact us for customization.
In short
- Insures your movable items in the home (furniture, electronics, clothing, etc.).
- Coverage for fire, burglary/theft, vandalism and often water damage (depending on the policy).
- Important terms: new value, current value and own risk.
- Finass Verzekert compares several insurers for suitable home contents insurance.
Why is home contents insurance important?
Your belongings represent a lot of value
Als u álles in uw woning bij elkaar optelt — meubels, elektronica, kleding, apparatuur — loopt de waarde al snel flink op. Bij brand of diefstal wilt u niet alles zelf hoevand vervangand.
Protection against unexpected damage
Good home contents insurance covers damage in the event of fire, burglary, water damage and vandalism, according to the conditions of your policy.
Peace and security
With appropriate coverage, you know that you don't have to pay everything out of pocket if something goes wrong in your home.
What does home contents insurance cover?
Burglary, theft and vandalism
Theft of items after an (attempted) burglary and damage due to vandalism are usually insured, especially with good burglary protection.
Water damage
Damage to household contents due to, for example, burst pipes or leakage may be (partially) insured. The exact coverage varies per policy.
Damage due to storm or precipitation
If damage occurs to the home due to storm or precipitation, home contents insurance can reimburse the damaged items within the home.
Liability for tenants
In rental properties, damage to certain items may be your responsibility. Home contents insurance can provide this in some cases.
Please note: the exact coverage varies per insurer and policy. Finass Verzekert helps you compare the conditions.
What determines the premium of your home contents insurance?
Value of the contents
The total value of your belongings forms the basis. A contents meter is often used, based on household, home type and income.
Type of property & location
Apartment, terraced house or detached house, but also the neighborhood and the risk profile for burglary and storm damage play a role.
Coverage type (extra extensive/all-risk)
The more extensive the coverage (for example all-risk), the higher the premium. You will get more security in return.
own risk
With some home contents insurance policies you can choose a higher or lower deductible. A higher deductible can lower the premium.
Discount via combination
Do you combine home contents insurance with, for example, buildings insurance? Then a package discount may be possible.
Damage history
Here too, the claims history plays a role in determining the premium and acceptance by the insurer.
Would you like to know what you pay in your situation? Then request a no-obligation quote.
Difference between home contents and buildings insurance
Contents: your belongings
Home contents insurance covers damage to your movable items in and around the home. This includes everything you could in principle take with you when moving: furniture, curtains, equipment, clothing, decoration, etc.
- Furniture and household goods
- Electronics (such as TV, computer, audio)
- Clothes and shoes
- Kitchen appliances that are not permanently mounted
Building: the house itself
Home insurance, also known as home insurance, covers damage to the home itself and everything attached to it. Think of walls, roof, floors, pipes, permanent plumbing and fitted kitchen.
For complete home insurance, the combination of buildings and contents insurance is usually the starting point.
Valuables, out-of-home coverage and extra options
Valuables in the house
Jewelry, art and other valuable possessions often have a separate maximum within the home contents insurance. For higher values, separate valuables insurance may be required.
Outdoor coverage
Do you also want to insure your belongings outside the home (for example mobile phone, laptop or camera)? Then additional outside home cover can offer a solution.
All risk for contents
With comprehensive home contents insurance, you are in many cases also insured for damage that you accidentally cause, such as dropping something. The conditions differ per insurer.
Finass Verzekert is happy to think with you about the right combination of contents, buildings and any valuables insurance.
Frequently asked questions about home contents insurance
```What exactly is included in the contents?
Contents include all movable items in your home: furniture, electronics, clothing, curtains, loose carpeting and many appliances. Everything you take with you when you move is considered household contents.
Is home contents insurance mandatory?
Contents insurance is not legally required. However, it is highly recommended, because the value of your belongings is often higher than you think. In the event of fire or burglary, the damage can be considerable.
Am I also insured outside my home?
By default, the coverage is mainly aimed at the home. With additional outdoor cover you can also insure certain items (such as laptop, camera or telephone) outside the home, up to a certain amount.
How is the value of my belongings determined?
A contents meter or questionnaire is often used. A reasonable value is determined based on household size, home type and income level. You can also make an assessment yourself or ask an advisor to take a look.
Is damage compensated on the basis of new value or current value?
With many modern home contents insurance policies, the new value is reimbursed for most items (up to a certain age). Older items or certain categories can be reimbursed at current value. This is stated in the policy conditions.
What does Finass Verzekert need for a quote?
For a good quote, we need, among other things, your address, type of home, size of the household, an indication of the contents value, information about security and any previous damage. On this basis we compare different insurers.
Want to take out home contents insurance? Request a no-obligation quote
Finass Verzekert compares home contents insurance from several insurers and searches for a suitable combination of premium, coverage and conditions for your situation.
You will usually receive a response within a short time. Together we will determine which home contents insurance suits you best.
