Extended Cover
- Fire, smoke and water
- Burglary and theft
- Storm and rainfall
- Vandalism
content value calculator · sub-limits · guarantee against underinsurance
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.
This page in Dutch: Compare home contents insurance.
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.
A premium indication, not Personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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.
The structure of the cover in three parts, with an overview per Situation below.
The mentioned perils, inside your home and partly outside it.
Your own accidents too: anything that suddenly and unexpectedly goes wrong.
Each category has its own limit, whatever your total sum is assured.
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.
Four points that make the difference between a policy that pays out and one that does not.
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.
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.
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.
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.
Insurers weigh these details differently. That's why comparing pays off.
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.
The questions we are asked most often about this.
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.
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.
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.
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.
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.
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.
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.
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.
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