Your belongings · other people's belongings · no overlap
Home contents or liability: what is the difference?
Home contents insurance covers your belongings. Personal liability insurance covers other people's belongings that you damage. It does not get simpler than that.
Deze pagina in het Nederlands: Inboedel of aansprakelijkheid: wat is het verschil?.
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? Email 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 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.
Home contents insurance
Covers everything standing loose in your home: furniture, appliances, clothing, crockery. For fire, water damage, burglary and, with comprehensive cover, your own mishaps at home as well.
Pay attention to the sub-limits for jewellery, audiovisual equipment and collections; these may be lower than what you own.
The liability insurance
Covers damage you cause at others . If you knock over a television at a friend's house, that is liability and not your contents cover.
Family members and pets are included; that is why almost everyone has this policy.
Where people come unstuck
Care, custody and control: damage to items in your care — borrowed, hired or held in safekeeping — is often covered only in part or excluded under personal liability insurance.
A borrowed drill that you drop therefore falls between the two policies: it is not your contents and is often not covered because of the care, custody and control exclusion.
What you need
Both, and together they cost less than people think. Home contents insurance for what you own, personal liability insurance for what you may cause.
Read more
Similar pages
- What is covered by home contents insurance (inboedelverzekering)?
- What should you look for in home contents insurance (inboedelverzekering)?
- What exactly counts as home contents?
- Is your phone covered by the home contents insurance (inboedelverzekering)?
- What does home contents insurance (inboedelverzekering) not cover?
- Why home contents insurance (inboedelverzekering) falls short for valuables
- Insuring exclusive home contents
- Is glass covered by home contents insurance (inboedelverzekering)?
Frequently asked questions
The questions we are asked most often about this.
What is the difference?
Contents covers your own belongings; liability covers damage you cause to other people.
What if I break something at a friend's house?
That is liability, not your home contents insurance.
Are my children covered as well?
Under personal liability insurance yes; family members and pets are included as standard.
What is the care, custody and control exclusion?
Damage to items in your care; that is often covered only in part or excluded.
What about borrowed tools?
They fall under care, custody and control and are often not covered; check before you borrow anything.
Do I need both?
Yes; they cover opposite things and do not overlap.
What is covered and what is not
Which policy pays
| Situation | Home contents insurance (inboedelverzekering) | Liability insurance |
|---|---|---|
| A fire in your home in which your furniture is lost | Yes | No |
| Your own television falls over while you are moving it | Provided that | No |
| Your child kicks a football through the neighbours' window | No | Yes |
| Your washing machine overflows and the neighbour below has damage to his ceiling | No | Yes |
| Your bicycle is stolen at the station | Provided that | No |
| You knock the mirror off a parked car with your own car | No | No |
In one event both policies may come into play: your own loss under the contents cover, the other party's under the liability cover.