Sum insured
- Completing it correctly gives a guarantee
- Too low: a proportionate reduction
- Revise after a move or purchase
- Replacement value as new, not market value
Sum insured · limits · excess
Comparing home contents insurance (inboedelverzekering): how to save without giving up cover
Comparing on premium alone rarely produces a saving. The difference lies in the sum insured, the limits for valuables and the excess.
- several insurers compared objectively
- 9.5 customer rating for a new policy
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Deze pagina in het Nederlands: Inboedelverzekering vergelijken: zo bespaart u zonder dekking in te leveren.
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Work out your own premium with the calculator.
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
The premium for home contents insurance (inboedelverzekering) follows from the sum insured: the value of everything you would take with you when moving, expressed as replacement value as new. Insurers establish it with a contents value calculator, which takes account of household composition, age, type of home and income. If you complete it correctly, most insurers give a guarantee against underinsurance: no reduction is applied to a claim on the grounds that the sum is too low.
Anyone comparing on premium is often comparing unequal policies. A lower premium usually stems from a higher excess, a narrower form of cover or lower limits for jewellery, audiovisual equipment and collections. Those limits are concrete: above a certain amount your valuable item is only partly paid for, even if the total sum insured is more than enough. With valuable belongings, that calls for separate valuables cover.
Real savings usually lie elsewhere: clearing out duplicate cover, deliberately choosing an excess, paying annually instead of monthly, and bundling your policies. Also compare what you already have elsewhere. See also how buildings and contents cover fit together and what home contents insurance does not cover.
Where do policies differ?
Three elements explain almost the whole premium difference between providers.
Extended or comprehensive
Extended cover pays for named causes, comprehensive also for unnamed accidents at home.
- Extended: fire, water, theft after forced entry
- Comprehensive: knocking things over and dropping them too
- Exclusions remain in both forms
- Always narrower away from home
Limits and excess
Valuables have a maximum per category, separate from the total sum.
- Jewellery and watches limited
- Audiovisual sometimes capped separately
- Declare art and collections separately
- A higher excess lowers the premium
What is covered
| Situation | Extended | Comprehensive |
|---|---|---|
| Fire, smoke and water damage to your belongings | Yes | Yes |
| Theft from the home after a break-in | Yes | Yes |
| A glass knocked over onto a television or laptop | No | Yes |
| Jewellery or art above the policy limit | No | Provided that |
| Belongings away from home or in a store elsewhere | Provided that | Provided that |
| Wear and tear, vermin and damage caused deliberately | 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 ways to save that actually work
Saving without stripping the cover calls for different choices than simply the lowest premium.
Clear out duplicate cover
Glass often appears on both the buildings and the contents policy. Bicycles, phones and travel luggage are sometimes covered both by a separate policy and through the contents cover. You will never be paid twice for the same loss, but you do pay premium twice. Set your policy schedules side by side and delete what overlaps; that is the most direct saving there is.
Choose an excess you can bear
A higher voluntary excess lowers the premium noticeably. The downside is that you pay small claims yourself, and those make up the bulk of notifications. As a rule of thumb, take an amount you can do without borrowing. Do not lower the excess as a lever on the premium, but match it to your reserves.
Do not skimp on the sum insured
A lower sum gives a lower premium, but leads to underinsurance: the insurer then pays proportionately less than your loss. With a home burnt out completely, that is the difference between refurnishing and not refurnishing. Complete the contents value calculator honestly and revise the sum after a move, building work or major purchases. That costs premium and delivers certainty.
Know what is never covered
Excluded are, among others wear, ageing and inherent defect, damage caused by vermin, mould and slowly penetrating damp, and damage caused by intent or recklessness under Article 7:952 of the Dutch Civil Code. On the accompanying buildings policy, subsidence, foundation damage, pile rot, deferred maintenance and design faults remain outside the cover. A cheap policy does not make those exclusions any smaller.
What does your premium depend on?
- Sum insured — the main basis for calculation
- Postcode area — burglary and water risk
- Type of home and construction type — flat, terraced house or detached
- Type of cover — extended or comprehensive
- Excess — higher amount, lower premium
- Extensions and limits — glass, valuables, away from home
Insurers weigh these details differently. That is why comparing pays off.
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
The questions we are asked most often about this.
How do I set the right sum insured?
With the insurer's contents value calculator. It works with household composition, age, type of home and income, and arrives at an amount in replacement value as new. If you complete the calculator correctly, most insurers give a guarantee against underinsurance. Revise the sum after a move, building work or major purchases; otherwise the actual value quietly drifts away from your policy.
Why is my expensive watch not paid for in full?
Because contents policies have a limit per category. Jewellery, watches, art, collections and sometimes audiovisual equipment are paid up to a maximum amount, regardless of how high your total sum insured is. Above that limit, separate valuables cover is needed, usually with a valuation report or purchase invoice. Declare valuable pieces before anything happens.
Is comprehensive cover worth it?
That depends on your household. Comprehensive cover also pays for unnamed causes inside the home, such as knocking something over or dropping it, and that makes a difference with children, pets or expensive equipment. The standard exclusions remain in place under comprehensive cover too: wear and tear, inherent defect, vermin and deliberate acts fall outside. Compare the extra premium with the additional cover you actually get.
Does switching to another insurer really save money?
Sometimes, but not automatically. Compare not only the premium but also the form of cover, the excess, the limits and whether a guarantee against underinsurance applies. Watch the contract term and the notice period of your current policy; after the first year most contracts can be cancelled on a daily basis. We handle the cancellation when you switch.
Are my belongings insured away from home?
Only to a limited extent. Belongings you take with you often carry a lower maximum amount and a narrow set of causes, for example only theft after forced entry from a locked space. Contents in a communal store, garage box or garden shed are sometimes excluded or limited. Check this if you keep some of your belongings elsewhere.
Read more
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Also relevant
Would you like your contents policy compared?
Request a quotation without obligation; we check the sum insured, the limits and any duplicate cover.
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.