Why Insure Your Contents?
Many people underestimate the value of their possessions. From furniture to electronics, from clothing to jewelry – together they often form a value tens of thousands of euros. A fire, burglary or water damage can have major financial consequences.
Immediately Contents insurance you are insured against damage to your belongings due to fire, theft, water damage, storm and more. The average premium is between €5 and €20 per month – a small investment for great peace of mind.
At Finass Verzekert we compare home contents insurance from 30+ insurers. This way you will find the best coverage for the best premium, tailored to your living situation and possessions.
What are you insured against?
Home contents insurance covers damage to your belongings due to various causes:
Fire & Smoke
Damage from fire, smoke and scorching
Theft & Burglary
Reimbursed for signs of forced entry
Water damage
Leakage, rain, hail damage
Storm & Lightning
Wind from 14 m/s, lightning strike
Explosion
Explosion and implosion
Air traffic
Crashing planes
Collision
Vehicle against house
Vandalism
Intentional destruction
Extra Extensive vs. Comprehensive Coverage
Choose the coverage that suits your situation and budget:
Extra Extended (EUG)
Standard coverage against the most common damages
- ✓ Fire, smoke and soot damage
- ✓ Theft during burglary
- ✓ Water damage due to leakage
- ✓ Storm and hail damage
- ✓ Lightning strike
- ✕ Own debt not covered
- ✕ Accidents excluded
All risk (AR)
RecommendedBroadest coverage, including your own fault
- ✓ All EUG coverage
- ✓ Own debt is covered
- ✓ Accidents assured
- ✓ To drop/knock something over
- ✓ Spills on electronics
- ✓ Broader protection
- ✓ Fewer exclusions
What is included in your contents?
All loose items in your home that you would take with you when you move:
💰 Premium indication for home contents insurance 2025
The premium depends on living situation, contents value and zip code:
| Situation | Coverage | Premium/month |
|---|---|---|
| Apartment, single | Extra Extensive | €3 - €8 |
| Apartment, single | All risk | €6 - €12 |
| Terraced house, family | Extra Extensive | €8 - €15 |
| Terraced house, family | All risk | €12 - €22 |
| Detached, family | Extra Extensive | €13 - €20 |
| Detached, family | All risk | €18 - €30 |
📊 Did you know?
📋 Determine contents value
The contents value meter of the Dutch Association of Insurers calculates the value of your belongings based on:
- → Age: the older, the more valuable possessions
- → Income: higher income = more expensive things
- → Family composition: family has more than single person
- → House size: bigger house = more stuff
- → Warranty: no underinsurance when using meters
- → Tip: reappraise every 5 years or for major purchases
Best Insurers 2025 (MoneyView)
MoneyView examined 57 home contents insurance policies. Top scorers:
💡 Savings tips Home contents insurance
- ✓ Higher deductible – €150-€500 savings in premium
- ✓ Combine insurance – package discount for building + contents
- ✓ Pay annually – no installment costs
- ✓ Good security – discount with BORG/PKVW certificate
- ✓ Check annually – change premiums and conditions
- ✓ Adjust contents value – avoid over- or underinsurance
- ✓ Compare actively – save up to €200 per year
