Fire and storm damage
Damage to the home due to fire, lightning strike, explosion, storm and often precipitation. Think of roof tiles that have blown off or fire damage to the facade and roof.
Finass Insures
Request a quote Building insurance for your home
You insure it with buildings insurance (home insurance). house itself: the walls, the roof and everything attached to the house. Finass Verzekert helps you choose suitable coverage fire, storm, water damage and burglaryso that you can avoid unexpected costs as much as possible.
Please note: this page is general information and not personal advice. You can contact us for customization.
In short
- Insures the house itself (building and fixed parts).
- Coverage for fire, storm, burglary, water damage and more (depending on policy).
- Important points to note: rebuilding value and underinsurance.
- Finass Verzekert compares several insurers for a suitable premium.
Why is home insurance important?
Protecting your greatest asset
Your home often represents great value. Damage due to fire or storm can be financially significant. Home insurance helps cover these costs.
Often required with a mortgage
Mortgage lenders usually make home insurance mandatory, so that they and you can be sure that major damage is covered.
Peace and security
With a properly set up home insurance policy, you know where you stand if something happens to the house.
What does home insurance cover?
Water damage
Damage caused by, for example, burst pipes or leaks may be (partially) insured. The exact coverage varies per insurer.
Burglary and vandalism
Damage to windows, doors and frames due to (attempted) burglary or vandalism on the outside of the home.
Adding and removing
Fixed extensions or extensions, such as a conservatory, dormer window or shed, may be covered by home insurance if they are attached to the home.
Solar panels & installations
Solar panels, fixed charging stations and other fixed installations on the house can be insured. Always provide this when submitting an application.
Please note: the exact coverage varies per insurer and policy. Finass Verzekert helps you compare the conditions.
What determines the premium of your home insurance?
rebuilding value
The reconstruction value is the amount needed to rebuild the home in the same condition. This is an important starting point for the premium.
Type of home & year of construction
Apartment, terraced house, corner house, semi-detached or detached; Year of construction, material and surface play a role in the risk assessment.
Postcode & area
The location of the home (for example near water, nature or busy road) can influence the risk of damage.
Security & maintenance
Good locks, smoke detectors, roof maintenance and rainwater drainage contribute to risk reduction and can sometimes have a positive impact on the premium.
Own risk
Bij veel Building insuranceen kiest u een eigen risico. Hoe hoger het eigen risico, hoe lager vaak de premie — en omgekeerd.
Damage history
Previous damage may affect the premium and acceptance. Transparency in the application is important.
Curious about what you pay in your situation? Request a non-binding premium estimate.
For which homes is home insurance suitable?
Owner-occupied homes
For private homes in which you live, such as single-family homes, apartments and detached houses.
Apartments
For an apartment, building insurance is often arranged by the homeowners' association. If you do not have an active homeowners' association, individual home insurance may be necessary.
Living & working
If you combine living and working on a small scale at home, private buildings insurance is often possible, sometimes with a business supplement.
Recreational homes
Separate conditions often apply to holiday homes. Always report use and rental; We help you find suitable insurance.
Rented properties
If you rent out a home, a different form of home insurance may be necessary. Please indicate clearly when requesting that the property is rented.
New construction & renovation
Specific agreements regarding coverage may also be required for new construction and during renovations. Feel free to ask us about the possibilities.
Prevent reconstruction value and underinsurance
Why the correct reconstruction value is so important
In the event of major damage, the insurer looks at the rebuilding value. If this is set too low, you may be underinsured and you will not be reimbursed for all damage. That is why it is important to maintain a realistic value.
- Use of a reconstruction value meter or appraisal.
- Include additions and extensions, dormer windows and outbuildings.
- Periodically check during renovations or increases in value.
How Finass Verzekert can help
We will look with you at the characteristics of your home and the desired coverage. Where possible, we use guarantees against underinsurance or indexation, so that the insured sum can change over time.
Please note: the options differ per insurer. We explain the options clearly so that you can make an informed choice.
Frequently asked questions about home insurance
```What is the difference between buildings and contents insurance?
Home insurance covers damage to the home itself and everything attached to it, such as walls, floors, roof, pipes and fixed hinges and locks. Home contents insurance covers damage to items in your home that you can take with you, such as furniture, electronics and clothing. For complete coverage you usually need both.
Is building insurance mandatory?
Building insurance is not legally required, but mortgage providers usually make it mandatory. Even without a mortgage, home insurance is strongly recommended to prevent major financial risks.
Am I also insured in case of storm damage to the roof?
Most home insurance policies insure storm damage to the roof, often with a separate deductible. The exact conditions (for example minimum wind speed) differ per insurer.
Is glass covered by home insurance?
Glass in windows and doors can sometimes be insured as standard, but is also often arranged through a separate glass insurance policy. We are happy to help you determine what suits your situation best.
Do I have to report renovations?
Yes, in case of major renovations (e.g. extension, dormer window, extra floor) it is important to pass this on. The rebuilding value will then change and the coverage may need to be adjusted.
What does Finass Verzekert need for a quote?
For a good quote, we need, among other things, the address of the home, type of home, year of construction, surface area, information about renovations or outbuildings, any solar panels and security measures. Based on this, we request quotes from various insurers.
Want to take out building insurance? Request a no-obligation quote
Finass Verzekert compares home insurance policies from several insurers and searches for a suitable combination of premium, coverage and conditions for your home.
You will usually receive a response within a short time. Together we will determine which home insurance policy best suits your situation.
