Extended Cover
- Fire, smoke and water
- Burglary and theft
- Storm and rainfall
- Vandalism
content value calculator · sub-limits · guarantee against underinsurance
Compare Home contents insurance (Contents insurance)
With home contents insurance, things rarely go wrong about the type of cover. They go wrong over the amount, and over the limits per category that nobody reads until the moment they matter.
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- 9.5 customer rating for a New policy
- AFM license 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in Dutch: Compare home contents insurance.
Calculate your premium or Request a quote
Without obligation; a reply within one working day.
The calculator and the quote form below are in Dutch. Prefer to do this in English? E-mail info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
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 advisor 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 letter
Home contents insurance pays for damage to your possessions caused by fire, storm, water, burglary and vandalism. Contents means everything that is not fixed to the home. The rule of thumb: if it comes with you when you move, it is content; if it is fixed in place, such as the kitchen or the boiler, it falls under buildings insurance.
Cover is provided on the basis of replacement value as new. You set the amount with the insurer's content value calculator , based on Household composition, income and type of home. If you fill it in correctly, the insurer usually gives you a guarantee against underinsurance: in the event of a claim the actual amount is paid, even if the sum insured turns out to be too low. You do not get that guarantee automatically — your policy schedule states whether you have it.
Without that guarantee, the proportionality rule applies. If your contents are insured for half their actual value, you will be paid only half even on a claim of a thousand euros. That is not a penalty but arithmetic, and it hits precisely the small claims you do expect to be paid.
What does home contents insurance Cover?
The structure of the cover in three parts, with an overview per Situation below.
Comprehensive
Your own accidents too: anything that suddenly and unexpectedly goes wrong.
- A television that has fallen over
- Red wine over the sofa
- Damage while doing DIY
Sub limits
Each category has its own limit, whatever your total sum is assured.
- Jewelery and watches
- Audiovisual equipment
- Collections
- Possessions away from Home
What is covered
| Situation | Extended | Comprehensive |
|---|---|---|
| Fire or water damage in the Home | Yes | Yes |
| Burglary with signs of forced entry | Yes | Yes |
| A bicycle from a locked shed | Sometimes | Sometimes |
| A phone dropped from your hands onto the tiles | No | Yes |
| A laptop from the car without signs of forced entry | No | No |
| Wear and tear, reduce and gradual damage | No | No |
This overview is general in nature and is not Personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (insurance card) of the insurer; you receive both before you take out Cover. Taking out Cover without advice? Then read what Execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The limit per category, not the total sum
Your contents may be insured for € 60.000 while, within that same policy, jewellery is covered up to say € 6.000 and Audiovisual equipment up to a limit of its own. After a fire you are then paid the sub-limit rather than the value of your jewellery. If what you own exceeds that limit, you insure it separately on a valuables policy, which also covers you away from home and against loss.
Away from home, Cover largely stops
In a locked shed or store there is usually Cover, in the car only with evidence of forced entry and up to a low amount, and in the street generally not at all. Electric bicycles are excluded on many policies, or covered only with an approved lock. That is not a detail: it is exactly where most theft happens.
Report a claim in good time — and know when the clock starts
A claim against your insurer becomes time-barred under Article 7:942 of the Dutch Civil Code after three years, counting from the day after you became aware that it was due and payable. You interrupt that period with a written notice claiming payment; a fresh period of three years then starts as soon as the insurer acknowledges or unequivocally rejects the claim. An exchange of emails without a clear claim is not enough.
An owner's or tenant's interest is not content
If you have installed a kitchen, bathroom or floor yourself in a flat or a rented Home, that is not contents, and neither does it fall under the buildings policy of the VvE (Dutch owners' association) or the landlord. It is a separate section that you have to declare, and it easily runs into tens of thousands of euros.
What does your Premium depend on?
- Sum assured for contents — on a replacement-value-as-new basis
- Type of Cover chosen — extended or Comprehensive
- Postal code area — burglary risk
- Type of Home and security — locks to an approved standard, Alarm
- Household composition
- Excess and extensions chosen
Insurers weigh these details differently. That's why comparing pays off.
How we arrange it
- You Request a quoteWe take stock of your Situation, your risk and your 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 contents figure?
With the insurer's content value calculator. It works from household composition, income and type of home. If you fill it in correctly, the insurer usually offers a guarantee against underinsurance; without that guarantee the proportionality rule applies and every claim is paid out in proportion.
What are Sub limits and why do they matter?
Within your total sum assured, each category has its own limit, for example for jewellery, audiovisual equipment and collections. Your total sum can be generous enough while you are still underpaid for that one category. Check those limits against what you actually have in the house.
Are my possessions insured away from Home?
Only to a limited extent. In a locked shed or store often yes, in the car usually only after forced entry and up to a low amount, and in the street generally not. For luggage while traveling, travel insurance is more suitable.
What is the difference between extended and Comprehensive cover?
Extended Cover covers named perils such as fire, water and burglary. Comprehensive Cover also covers your own accidents: a television knocked over or a stain on the sofa. You only notice that difference at the moment of a claim.
How long do I have to report a claim?
Always report as soon as you reasonably can, if only because the insurer can then still assess the damage. In law, a limitation period of three years applies under Article 7:942 of the Dutch Civil Code, counting from the day after you became aware that your claim was due and payable.
What if I rent?
Then you do not need buildings insurance, but you do need Home contents insurance. If you have made improvements yourself, declare these separately as tenant's improvements; they fall neither under your contents nor under the landlord's policy.
Read more
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Ready to compare?
Request a Quote without obligation. We will look at which insurer best matches your activities and your risk.
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 license, Chamber of Commerce and Kifid details and our complaints procedure at the foot of every page.
This page was written and checked by an advisor at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not Personal advice.