Why Your Monument Deserves Special Insurance
Living or working in one Monument is special. Whether it's a national monument, An municipal monument or a building in a protected cityscape – you are the guardian of cultural heritage. But insurance is more complex than for a standard home.
The rebuilding value of a monument is much higher than of an ordinary house. Historical materials, traditional techniques and recognized restoration companies make restoration expensive. A standard reconstruction value meter is therefore unsuitable – a professional appraisal is required.
At Finass Verzekert we are specialists in this monument insurance. We work with insurers who understand the unique value of your monument, a special one Monuments index and provide a guarantee against underinsurance.
⚠️ Underinsurance: The Greatest Risk
Many monument owners are unknowingly underinsured. A rebuilding value that is too low or the wrong index means a lower payment in the event of damage. Have your insurance checked by a specialist.
Which Monuments Do We Insure?
We insure all types of monuments, from monumental houses to castles and mills:
Residential houses
Canal houses
Farms
Churches
Castles
Mills
Country estates
Industrial Heritage
Standard Building vs. Monument insurance
❌ Standard Building Insurance
- ✕ Reconstruction value meter (unsuitable)
- ✕ Standard CBS index
- ✕ No knowledge of historical materials
- ✕ Risk of underinsurance
- ✕ Standard restoration company
- ✕ No subsidy advice
✓ Monument insurance
- ✓ Professional valuation on location
- ✓ Special Monuments Index
- ✓ Cover authentic materials
- ✓ Guarantee against underinsurance
- ✓ Recognized Restoration Construction Company
- ✓ Valuation report for SIM subsidy
What does Monument Insurance cover?
Fire damage
Fire, smoke and extinguishing damage to construction and ornaments
Storm & Lightning
Damage to roof, facade and historic elements
Water damage
Leakage, including plaster ceilings and ornaments
Repair costs
Traditional repair by recognized professionals
Material costs
Authentic historical materials
liability
Damage to third parties due to defects in the building
📋 This is how you insure your monument
Valuation
Professional appraisal by a specialized appraiser
Quotation
Request quotes from monument insurers
To compare
Compare coverage, premium and index
To block
Take out insurance with customized coverage
💶 Subsidies for Monument Owners
Housing subsidy
For private owners of national monuments with residential functions. Max. 38% of maintenance costs.
Applications: March 1 - April 30SIM Subsidy
For non-residential buildings: churches, mills, farms. 30-50% of maintenance costs.
Applications: February 1 - March 31Restoration Fund Loan
Low-interest loan (1% interest) for restoration and maintenance. Up to 100% of the costs.
National Restoration FundProvincial/Municipal
Many provinces and municipalities have their own subsidy schemes for monuments.
Check your municipality
