Home contents and buildings: what is the difference?
Buildings insurance covers the building; home contents insurance covers what is inside it. In a single event you often need both.
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- 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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
The line between the two
What permanently fixed is structure: walls, roof, installations, a fitted kitchen, a glued floor.
What stands loose is contents: furniture, appliances, clothing, a free-standing fridge, a click-together floor.
The rule of thumb: would you take it with you when you move? Then it is contents.
Why you often need both
With a a leak from above damages both the ceiling and your furniture. With fire the same applies.
That means two claims if you are with different insurers. With the same company it runs in one file.
What a home package adds
A home package bundles buildings, contents, liability and often legal expenses insurance in one policy on one review.
The advantage is not mainly the discount but the connection: gaps between policies (tenant's interest, owner's interest, glass) then do not arise.
As a tenant
You then do not need buildings insurance, but you do need home contents insurance with the tenant's improvements section for what you had installed yourself.
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We compare your buildings insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Within Opstalverzekering
- Opstalverzekeringthe main page
- Wat is allemaal opstal van een huis
- Opstalverzekering en inboedelverzekering
- Is aansprakelijkheidsverzekering hetzelfde als opstalverzekering
- Buildings insurance (opstalverzekering): borderline cases between buildings and contents
- Is een keuken inboedel of opstal
- Is waterschade inboedel of opstal
Similar pages
- What exactly counts as buildings?
- Insuring buildings and contents together
- Is a kitchen home contents or buildings?
- Buildings insurance (opstalverzekering): borderline cases between buildings and contents
- Liability or buildings: what is the difference?
- Is my kitchen covered by the buildings insurance (opstalverzekering)?
- Water damage: is that contents or buildings?
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
Frequently asked questions
This is what people ask us most.
What is the difference?
Buildings cover insures the building; contents cover insures what is inside it.
What is the rule of thumb?
Would you take it with you when you move? Then it is contents.
Do I need both?
As a homeowner, yes. A single claim often affects both.
What is a home package?
Buildings, contents, liability and often legal expenses insurance in one policy.
What if I rent?
Then contents cover only, with the tenant's interest section.
Do I have to report it twice?
With different insurers, yes. With the same company, no.