Contents value
- Established with the contents value calculator
- Household composition and floor area count
- A correct declaration gives a guarantee against underinsurance
- Adjust after a move or a major purchase
Contents value · form of cover · limits
Is there such a thing as the best and cheapest home contents insurance (inboedelverzekering)?
With home contents insurance, best and cheapest rarely coincide. What can be assessed is where a low premium comes from and which conditions genuinely differ.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Bestaat de beste en goedkoopste inboedelverzekering?.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
We do not name a winner. Home contents insurance (inboedelverzekering) is judged on the combination of your household and your policy: the sum insured, the number of valuables, the postcode and the type of home together determine which insurer comes out favourably. What gives the lowest premium for a flat with few belongings need not do so for a detached house with audio equipment and jewellery.
A low premium almost always comes from one of three directions: a a higher excess, a a more limited form of cover (extended instead of comprehensive) or the absence of a guarantee against underinsurance. You only notice the last of these when you claim: if the sum insured is too low, the insurer pays proportionately less. So complete the contents value calculator truthfully; that guarantee is usually tied to it.
Also look at the limits. Jewellery, watches, audiovisual and computer equipment, and contents in the shed, cellar or garden often carry a a maximum amount per event. Above that amount you need separate valuables cover. Two policies with the same premium can differ considerably on this point.
Where contents policies genuinely differ
Three elements determine the difference. The exclusions are much the same with almost every insurer.
Extended or comprehensive
Comprehensive adds sudden accidental damage of your own to the named events.
- Extended: fire, storm, water, burglary
- Comprehensive: knocking things over or dropping them too
- The exclusions remain identical
- Outside the home, often more limited
Limits per category
Valuables and belongings away from home carry a maximum amount.
- Jewellery and watches up to a fixed amount
- Audio and computer equipment limited
- Shed and garden with a lower limit
- Separate cover needed above the limit
What is covered
| Situation | Extended | Comprehensive |
|---|---|---|
| Fire, smoke and water damage to the home contents | Yes | Yes |
| Theft after forced entry to the home | Yes | Yes |
| Knocking over a television or dropping a laptop yourself | No | Yes |
| Jewellery above the policy amount for valuables | No | No |
| Theft from a shed or store | Provided that | Provided that |
| Wear, vermin and gradually penetrating damp | No | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
Four points instead of a ranking
Judge home contents insurance on these elements; they determine what you actually receive when you claim.
Contents are not the same as buildings
Home contents insurance covers what you take with you when you move: furniture, clothing, appliances, curtains and floor coverings. Buildings insurance (opstalverzekering) covers the building and everything fixed to it, and works with the rebuild value instead of the WOZ value. With a leak, the buildings policy pays for the pipe and the ceiling, and the contents policy for the sofa underneath. Anyone with only one of the two is left empty-handed for half the loss.
Without a guarantee you bear the risk yourself
With contents, underinsurance is the most common disappointment. Anyone estimating their belongings by feel almost always ends up too low. If the sum insured is too low, the insurer pays proportionately less — even for a small claim. If you complete the contents value calculator in full, most policies give a guarantee against underinsurance. For unusual collections, a valuation under Article 7:960 of the Dutch Civil Code the value for a fixed period.
What no premium buys you
Even the widest contents policy does not cover everything. Exclusions include wear, ageing and inherent defect, damage caused by vermin, moths, mould and gradually penetrating damp, and theft without signs of forced entry from a shed, store or communal area. Loss and mislaying are also not damage within the meaning of the policy, and damage caused by intent or recklessness is excluded under Article 7:952 of the Dutch Civil Code.
Only compare once the starting points are the same
Two premiums are only comparable with the same sum insured, the same form of cover, the same excess and the same limits for valuables. Also check whether the amounts include 21% insurance premium tax. Finally, declare all special circumstances in advance, such as letting a room or running a business from home: the duty of disclosure in Article 7:928 of the Dutch Civil Code applies when the policy is taken out, and a breach can reduce the payout or cause it to lapse (Article 7:930 of the Dutch Civil Code).
What does your premium depend on?
- Insured contents value: the basis of calculation for the policy
- Type of home and floor area: flat or detached house
- Postcode area: burglary and water risk
- Type of cover: extended or comprehensive
- Excess: higher amount, lower premium
- Valuables and extensions: jewellery, equipment, away from home
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Frequently asked questions
This is what people ask us most.
Why do you not name a best or cheapest policy?
Because the outcome differs per household. Insurers each weigh the sum insured, type of home, postcode and chosen limits differently. A policy that is favourable for a small flat is often more expensive or too narrow for a family home with valuables. Premium and quality also say little in isolation: the lowest premium is rarely the widest cover.
How do I establish the contents value?
With the insurer's contents value calculator. It works with household composition, age, floor area and income, and arrives at a replacement value as new for the whole contents. If you complete it fully and truthfully, a guarantee against underinsurance usually applies. If you estimate it yourself, you almost always end up too low and lose that guarantee.
Is my jewellery covered as well?
Up to a certain amount, yes. Almost every policy has a separate limit for jewellery, watches and sometimes for audiovisual equipment, musical instruments or art. Above that amount you receive no more than the limit, even if the loss is higher. If the value is higher, take out separate valuables insurance with a valuation report.
What is not covered by home contents insurance?
Wear and tear, ageing and inherent defect, damage by vermin, moths and mould, slowly penetrating damp, and theft without signs of forced entry from a shed or communal area. Mislaying and loss also fall outside, as do intent and recklessness. These exclusions appear with almost every insurer and do not disappear with a more expensive policy.
Can I lower the premium without stripping the cover?
Yes. Pay annually rather than monthly, bring your policies together in one package, and choose an excess you can bear yourself. Also take out duplicate cover, for example glass that appears on both the buildings and the contents policy. Do not lower the sum insured: that is not a saving but deferred risk.
Read more
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Also relevant
Would you rather compare on your own details?
Request a quotation without obligation. We check the contents value and set premium and conditions side by side.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.