Buildings premium
- Rebuild value as the basis for the calculation
- Construction type, roof covering and year of construction
- Annual indexation to building costs
- Usually the larger part of the total
Two sums · package discount · double cover
What do home contents and buildings insurance cost together?
Contents and buildings insurance are two policies with two sums insured and two premiums. Taking them out together often produces a discount, but the amount still differs by home.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Wat kost een inboedel- en opstalverzekering samen?.
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.
In brief
The two policies are calculated separately. The buildings premium follows from the rebuild value of the building: what it costs to build a similar property again, excluding the land — expressly not the WOZ value. The contents premium follows from the replacement value as new of all your possessions, to be established with the contents valuation tool. Because the rebuild value is almost always higher than the contents value, the buildings premium is usually the larger part of the total.
Both premiums are adjusted for the postcode area, the form of cover and the excess, and both are increased by policy charges and 21% insurance premium tax. If you take them out with the same insurer or in one home package, a package discount often applies and for a single event you usually pay only one excess.
We do not quote an amount: the construction type, roof covering, year of construction, household composition and floor area vary too widely. When comparing, watch out for double cover, for example glass appearing on both policies. Insuring twice does not produce a double payment. See also contents and buildings in one package.
What the total amount consists of
Two sums insured, two premiums and one set of add-ons.
Contents premium
Calculated on the replacement value as new of everything you take with you when you move.
- The contents valuation tool as the basis
- The type of home and floor area count
- Limits for jewellery and equipment
- Tenant's improvements in a rented home
Package and add-ons
Discounts and add-ons determine what is ultimately debited.
- A package discount with several policies
- 21% insurance premium tax on the whole amount
- Policy charges and any instalment loading
- One excess for a single event
What is covered
| Situation | Buildings | Home contents |
|---|---|---|
| Fire damage to the roof, walls and frames | Yes | No |
| Fire damage to furniture, clothing and appliances | No | Yes |
| The fitted kitchen, bathroom and central heating system | Yes | No |
| Jewellery above the policy amount for valuables | No | No |
| Breakage of glass in windows and doors | Provided that | Provided that |
| Subsidence, pile rot, wear and vermin | 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 points about the cost of both policies
Two sums insured means two chances to insure the wrong amount.
Two bases, two kinds of mistake
The buildings policy is based on the rebuild value and the contents policy with the replacement value as new of your possessions. Anyone insuring the buildings on the WOZ value insures an amount including the land that has nothing to do with rebuilding. Anyone estimating the contents by feel almost always ends up too low. Use the insurer's valuation tool for both; for listed buildings or valuable collections, a survey.
The guarantee against underinsurance applies per policy
If a sum insured is too low, the insurer pays proportionately less on that policy — on small claims too. Guarantee against underinsurance prevents that, provided you complete the relevant valuation tool in full and report changes. Check that both policies give that guarantee; cheap versions sometimes leave it out. A valuation under Article 7:960 of the Dutch Civil Code fixes the value for a set period.
What is covered on neither policy
On the buildings, subsidence, foundation damage and pile rot not covered, nor is deferred maintenance, wear and design faults. For the home contents there are wear, inherent defect, vermin, moths, mould and gradually penetrating damp, plus theft without signs of forced entry. On both policies, damage caused by intent or recklessness is excluded under Article 7:952 of the Dutch Civil Code. A more expensive policy changes nothing about that.
Avoid double cover and gaps
Glass, sun blinds, a glued-down floor or a kitchen you fitted yourself sometimes appear on both policies and sometimes on neither. Insuring twice costs premium without any extra payment; Article 7:960 of the Dutch Civil Code prohibits enrichment from insurance. Also report all special features in advance, such as room letting or a business at home: the duty of disclosure under Article 7:928 of the Dutch Civil Code applies when the policy is taken out, and a breach can reduce the payout or cause it to lapse (Article 7:930 of the Dutch Civil Code).
What does your premium depend on?
- Rebuild value — the basis of the buildings policy
- Contents value — the basis of the home contents policy
- Construction type and roof covering — brick, timber or thatch
- Postcode area — burglary, storm and water risk
- Type of cover and excess — extended or comprehensive
- Package discount and extensions — glass, valuables, solar panels
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.
Why do you not quote a total amount?
Because both premiums are calculated per address and per household. The buildings premium follows from the rebuild value and the features of the property, the contents premium from the replacement value as new of your possessions and the type of home. Two houses in the same street can differ considerably. A calculation on your own details does give a usable total within a few minutes.
Which of the two is more expensive?
Usually buildings insurance. The rebuild value of a home is almost always higher than the replacement value as new of the contents, and the premium is calculated on that sum. With a flat where the VvE insures the buildings, you pay only for contents yourself; the buildings premium is then included in your contribution to the VvE.
Does taking them out together produce a discount?
Often yes. Insurers give a package discount that increases with the number of policies, and for a single event affecting both policies you usually pay only one excess. The handling is also simpler, because no argument arises about which insurer bears which part of the loss.
Do I pay two excesses for one leak?
With the same insurer, usually not: one event leads to one excess, even if both the ceiling and the sofa are damaged. If the policies are with different insurers, the claim is handled in two files and you usually pay twice. Check this point in the policy conditions before you split the policies.
Can I save without stripping the cover?
Yes. Pay annually rather than monthly, bring both policies into one package, remove duplicate cover such as glass on both policies, and choose an excess you can bear yourself. Do not reduce the sums insured below the results from the valuation tools: that lowers the premium but shifts the risk to you.
Read more
Within Opstalverzekering
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Both policies in one calculation?
Request a quote without obligation; we will check both sums insured and prevent double 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.