Buildings insurance (opstalverzekering) for an investment property
With an investment property, damage to the building is rarely the biggest problem. The biggest problem is the period in which no rent comes in while the financing continues.
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Work out for yourself what it would cost.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
You insure an investment property on the basis of rebuild value, preferably established by a valuation. The tenant's use of the premises determines acceptance: residential use is assessed differently from catering or storage.
Two modules make the difference here: loss of rent for the period in which the property cannot be let, and cover for damage caused by tenants, which many policies exclude as standard.
This page deals with one part. The overview of all parts is on the main page on property insurance.
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Get coveredWhy arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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.
What to look out for
Link loss of rent to the rebuilding time
Allow for demolition, permits and rebuilding. For a larger property, a payment period of 52 weeks is often too short.
Tenant damage and vandalism
Wilful damage by a tenant is by no means always covered. Ask about this explicitly where the property is let as housing.
Report a change of tenant
If the use changes from offices to catering or storage, the risk changes fundamentally. Failing to report it costs you cover.
Tenant's improvements are not yours
What the tenant has installed falls under their business contents insurance (inventarisverzekering). Record this in the tenancy agreement.
What determines the premium
- Agreed rebuild value
- Use by the tenant
- Construction type and fire prevention
- Vacancy rate and tenant turnover
- Modules chosen: loss of rent and tenant damage
This information is general in nature and is not personal advice. What is actually covered, including exclusions and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover.
Frequently asked questions
What exactly is loss of rent?
Payment for the rental income you miss for as long as the property cannot be let after a covered claim. Meanwhile your financing costs continue.
Is damage caused by my tenant covered?
Not as standard. Vandalism and wilful damage by tenants are excluded on many policies. An extension is available.
Do I have to report a change of tenant?
If the use changes, yes, always. From offices to catering or storage is a different risk with a different premium.
Who insures the kitchen the tenant installed?
The tenant, as tenant's improvements. Your buildings insurance covers the building as handed over.
Every situation is different. For these situations we have a separate page.
- Insuring a home that you letThe main page
- Buildings insurance (opstalverzekering) for a let homeReporting the letting, tenant damage, loss of rent
- Insuring an investment propertyLoss of rent, use, financing
- Insuring your property investmentRebuild value, use, liability
- Buildings insurance (opstalverzekering) when lettingReporting, commercial use, tenant risk
- Insurance for property ownersPortfolio, tenants, vacancy
- Which insurance do you need as the landlord of a home?Let property, owner's interest, loss of rent
- Insuring a car without no-claims yearsStarting position, building up, alternatives
- Insuring a second carNo-claims years, second-car arrangement, regular driver