Commercial • Vastgoed & onroerend goed • Verhuurde en leegstaande panden
Real estate insurance – a complete insurance package for your real estate
With the real estate insurance van Finass Insures is uw verhuurde bedrijfspand, beleggingspand of woning zorgvuldig verzekerd. U bundelt in één pakket onder meer Real estate liability insurance, Building insurance, Glass insurance and Environmental damage insurance .
The real estate insurance package is suitable for: companies with real estate portfolios, HOA's and private investors with one or more properties. U kiest zelf welke Coverages u combineert, zodat uw vastgoed op maat wordt verzekerd.
Real estate insurance package in brief
With the real estate insurance van Finass Insures stelt u een compleet pakket samen voor uw onroerend goed. Dit pakket is speciaal ontwikkeld voor verhuurd en leegstaand vastgoed en kan onder meer bestaan uit:
- Real estate liability insurance – for damage to persons and property of third parties.
- building insurance for rented real estate – for material damage to your property.
- Real estate glass insurance – for glass damage to windows, facades and display cases.
- Environmental damage insurance for real estate – for remediation costs in the event of environmental contamination.
Real estate insurance is suitable for both private as business owners and can be expanded for multi-property portfolios.
Why insure real estate?
Protection against major damage
Brand, inbraak, storm of A aanrijding kunnen forse schade veroorzaken aan uw gebouw. Met A goed ingericht real estate insurance package zijn uw pand and beschermd teg and de financiële gevolg and van dit soort gebeurt and iss and .
Limit liability risks
Als eigenaar of exploitant van buildings bent u aansprakelijk voor schade die uw pand bij derden veroorzaakt. Een Real estate liability insurance zorgt ervoor dat u dergelijke claims niet zelf hoeft te betal and .
Package solution for rented real estate
Different conditions apply to rented and vacant properties than to self-occupation. It real estate insurance package is speciaal ontwikkeld voor dit type Property en sluit aan bij de risico’s van verhuur, leegstand en verschillende gebruiksfuncties.
Real estate insurance coverage
You put together your package from different coverage. The core consists of Liability, buildings, glass and Environmental damage .
Liability insurance for rented real estate
Als eigenaar of exploitant van Business premisesen, gebouwen of woningen bent u aansprakelijk voor schade die het onroerend goed veroorzaakt aan derden. De real estate liability insurance (AVB O/G) prevents you from having to compensate for these damages yourself.
- Damage to third party property (e.g. cars, surrounding buildings).
- Personal injury, for example due to loose parts or poorly maintained grounds.
- Suitable for rented homes, commercial properties and investment properties.
building insurance for rented real estate
The building insurance for rented real estate dekt materiële schade aan uw pand, bijvoorbeeld door brand, inbraak, lekkage of storm. Deze zakelijke Building insurance wordt afgestemd op:
- the type of building (home, office, shop, catering industry, industrial hall);
- the construction and materials used;
- the use, the sector and the location.
This way, the coverage is tailored to your rented property and industry.
Glass insurance for rented property
The Glass insurance for rented property vergoedt glasschade aan ramen, glazen deuren, puien en vitrines door vrijwel alle van buiten komende oorzaken. De glasdekking kan aanvullend worden afgesloten op de Building insurance.
- Fast handling of window breakage and glass damage.
- Suitable for homes, shops, offices and catering establishments.
- Expandable for special glass areas and shop windows.
Environmental damage insurance for rented real estate
The Environmental damage insurance for rented real estate biedt dekking voor schade aan bodem and oppervlaktewater door verontreiniging, bijvoorbeeld door:
- leaking tanks or installations;
- contaminated fire extinguishing water after a fire;
- released asbestos or other substances after damage.
The insurance covers (according to the policy) the costs of remediation and clean-up, among other things.
Types of rental property
When compiling the real estate insurance wordt vaak een indeling gemaakt naar type verhuurd Property. Premies en voorwaarden sluiten hierop aan.
Types of rented private real estate
- Room rental for migrant workers
- Room rental other
- Room rental for students
- Vacant house (temporary / renovation)
- Private residence (no room rental)
- Temporary rental to third parties (such as via platforms such as Airbnb)
Types of rented commercial real estate
- Business premises
- Investment property
- Catering premises
- Office building
- Vacant business premises
- Practice room
- Shop premises
- Healthcare real estate
De Insurance en voor verhuurd zakelijk onroerend goed zijn vaak uit te breiden met dekking voor verhuurde appartementen en/of bovenwoningen.
What determines the premium for real estate insurance?
Construction type and building features
- year and construction of the building;
- material used (e.g. stone, wood, sandwich panels);
- surface area and rebuilding value;
- existing installations and facilities.
Use, location and destination
- type of use (residential, office, shop, catering, storage);
- rental, personal use or vacancy;
- location (center, residential area, industrial estate);
- safety and prevention measures (fire, burglary).
Coverage, deductible and package
- selected coverage within the real estate package;
- amounts insured and indexation;
- amount of the deductible;
- number of properties in the portfolio;
- any damage history.
In een telefonisch of persoonlijk gesprek Inventoryeren wij alle benodigde gegevens, analyseren wij uw risico’s en vergelijken wij het aanbod van meerdere verzekeraars. Op basis hiervan ontvangt u een clear advisory report and premium proposal .
Benefits of real estate insurance through Finass Verzekert
Flexible real estate insurance package
- put together your package from liability, buildings, glass and environment;
- coverage tailored to your type of property and tenant;
- possibility of expansion as your portfolio grows.
Competitive premium and strong conditions
- special rate for real estate insurance;
- good conditions and generous conditions;
- suitable for both private and business owners;
- insurance often on one policy with package discount.
With the real estate insurance package from Finass Verzekert your verhuurd bedrijfspand, Investment property of woning well and efficiently insured.
Frequently asked questions about property insurance
What exactly is property insurance?
A real estate insurance is een pakket van Insurance en voor verhuurd en/of leegstaand vastgoed. De kern bestaat vaak uit:
- A Building insurance for damage to the property;
- A Real estate liability insurance for damage to third parties;
- additions such as glass, environmental damage and possible director's liability.
The package is tailored to the nature of your properties, the tenants and the size of your portfolio.
Who is property insurance intended for?
The real estate insurance package is suitable for:
- private investors with one or more rented homes;
- commercial real estate owners and real estate BVs;
- companies with their own business or office premises;
- organizations with a portfolio of different properties.
Is real estate insurance mandatory?
Wettelijk is een Building insurance niet altijd verplicht, maar hypotheekverstrekkers, banken en andere financiers verlangen in de praktijk vrijwel altijd dat het pand goed is verzekerd. Een Real estate liability insurance is meestal niet wettelijk verplicht, maar gezi and de mogelijke omvang van schadeclaims wordt deze sterk aanbevol and .
What is the difference between normal buildings insurance and real estate building insurance?
A private building insurance is bedoeld voor panden die u zelf bewoont. Bij verhuurd of leegstaand Property horen andere risico’s. Een real estate building insurance is hierop ingericht en houdt rekening met verhuur, leegstand en Commerciale activiteiten in het pand.
Is my building insured during vacancy or renovation?
Vacancy and renovations require clear agreements with the insurer. At the real estate insurance package kunn and voorwaard and word and opg and om and voor tijdelijke and langdurige leegstand and voor r and ovatie. Geef leegstand and verbouwingsplann and altijd door zodat de dekking tijdig kan word and aangepast.
Are tenants' contents included in the insurance?
De persoonlijke inboedel van huurders valt in principe onder de eigen inboedelverzekering van de huurder. Via de real estate insurance kunnen wel tenant interest en vaste investeringen (bijvoorbeeld A zelf geplaatste keuken of winkelinrichting) worden meeverzekerd, afhankelijk van de afspraken.
Can I include multiple properties in one real estate insurance package?
Yes, it is often efficient to include multiple properties in one package. That produces:
- one clear policy;
- often an attractive total premium level with package discount;
- less administration and one permanent point of contact.
How does claim handling work for real estate insurance?
In the event of damage, please contact Finass Verzekert. We:
- inventory the damage together with you;
- assist in collecting supporting documents and quotations;
- report the damage to the insurer and arrange any expertise;
- will guide you until the claim has been settled and the payment has been received.
This way you have one point of contact for the complete claims handling.
Want to know more about real estate insurance?
Do you have any questions, would you like more information or a no-obligation quote voor uw real estate insurance? Neem dan contact op met Finass Verzekert. Wij helpen u met onafhankelijk advies en een compleet verzekeringspakket voor uw verhuurde of leegstaande panden.
Telephone: 072 – 509 24 56
E-mail: info@finass.nl
Bergen office
Marijkelaan 11
1862 EW Bergen (NH)
An appointment at the office or at your location in the Alkmaar/Bergen region is possible.
Den Helder office
Willemsoord 47
1781 AS Den Helder
You can also easily discuss your real estate portfolio by telephone or video call.
Send me a proposal for my property insurance
Would you rather speak to someone directly? Call 072 – 509 24 56 and ask for a real estate / property insurance advisor.
