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 for yourself what it would cost.
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
A personal home contents insurance covers household goods. The policy conditions exclude items that have a business purpose: the laptop you use only for your business, the stock in the garage, tools that go into the van, the equipment in your home studio. After a fire or a burglary that distinction comes up immediately, and it often turns out that the most expensive part of what was there was not covered by the policy.
The line is not always sharp. A desk and a chair you also use privately generally remain home contents. A machine, a stock of goods for sale or a server cabinet does not. Some policies include a limited extension for business items in the home up to a small amount. That extension is intended for a home working space, not for a business run from home with stock and customer visits.
Working in the home affects the other policies too. Liability for your work is not covered under the personal policy, and a customer who trips on your doorstep is a business claim. Together we determine where the line falls between home contents and business contents, and whether a wider form of personal cover is still sufficient in your case.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your home contents insurance. We show what De Goudse and other insurers offer within it.
Fire & lightning strike
Storm
Possessions away from home
Water damage
Extended cover
As well as fire and storm, also water damage, belongings outside the home and, with comprehensive cover, your own accidents.
Burglary, theft & vandalism
Jewellery & valuables (limited)
Machinery & equipment
Comprehensive cover
The most complete cover. We compare De Goudse's extended version with the market.
Garden & garden furniture
Jewellery & valuables (limited)
Glass breakage
Higher cover for valuables
What is covered
Situation
Extended
Comprehensive
Fire, smoke and water damage in the home
Yes
Yes
Theft after forced entry
Yes
Yes
Knocks and falls at home
No
Yes
Loss or theft away from home
Provided that
Provided that
Damage during transport, repair or exhibition
Provided that
Provided that
Wear, shrinkage, damp and insect damage
No
No
A home contents policy has sub-limits: for jewellery, audiovisual equipment and collections a lower limit applies than for the rest of the contents. If your items exceed that, you insure them separately on a valuables policy, usually on the basis of a valuation (7:960 DCC). Underinsurance leads to a proportionately lower payout.
What we do
What we do
At Finass
Direct with De Goudse
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether De Goudse is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Business items are excluded from the contents
Goods you hold for your trade or business fall outside the personal cover, wherever they are kept. Stock, goods for sale, tools and equipment used solely for business belong on a business contents and goods insurance. Even if the fire starts in the living room and destroys the stock in the garage, that stock remains uninsured if nothing has been arranged for it.
The home working space as an in-between case
For a desk, monitor and chair you use both privately and for work, many policies include a limited extension up to a modest amount. That is enough for a working space, but not for a consulting room, a studio or a webshop's stock. Above that amount the exclusion applies in full again. So state what you do at home when you take out the policy, rather than having to explain it afterwards.
Customers and suppliers on the premises
If you receive people for your work, the use of the home changes and with it the risk. A visitor who falls on your stairs makes a claim against you as a business owner. That is not personal liability but business liability, and under Article 6:174 of the Dutch Civil Code you can be held liable as the owner of the building. Report such visits, because the fire assessment changes as a result too.
What is covered on no variant at all
Wear, inherent defect and the gradual effect of damp remain outside the cover, as does damage through intent or wilful recklessness under Article 7:952 of the Dutch Civil Code. Business interruption, meaning the turnover you lose while you cannot work, is never insured on a home contents policy. There is separate business interruption cover for that. The same applies to restoring files and records.
Value & stock
Machinery & installations
What does your premium depend on?
Ratio of private to business use. A single working space weighs differently from a consulting room or stock kept in the home.
Nature of the work done at home. Administrative work carries a different fire risk from a workshop or a kitchen.
Visits from customers or staff. The presence of third parties changes both the liability risk and the burglary risk.
Sum insured for the private contents. The household goods themselves remain the basis; business items do not count towards it.
Storage in a shed, garage or storeroom. Outbuildings have their own limits and must be described in the policy in order to count.
Security of the home. Where equipment or stock is present, locks and an alarm weigh more heavily in the assessment.
Insurers weigh these details differently. That is where your saving is.
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.
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.
Only if the policy has an extension for business items and the value stays within that modest amount. If you use the device solely for your business, the exclusion for items with a business purpose applies and the laptop belongs on business contents cover. The distinction is about the use, not about who paid for the device.
Where is the line between home contents and business contents?
At the purpose of the item. Furniture and equipment that are also used privately remain home contents; stock, goods for sale, tools and machinery for the business are business contents. Record doubtful cases on the policy schedule in advance, because an argument afterwards is always about the most expensive item and by then there is no evidence left of how it was used.
Does the policy cover my loss of turnover after a fire?
No. Home contents insurance pays for damaged belongings, not for lost turnover and not for continuing costs. If the damage stops you working, that is business interruption and there is a separate insurance for it. The cost of restoring records and digital files also falls outside it and needs its own provision on the commercial policy.
Do I have to report that I work from home?
Yes. How the home is used is a fact on which acceptance rests, and any change to it must be reported. If you fail to disclose that a workshop, stock or customer visits have been added, the insurer can assess at claim stage what it would have done had it known the true situation, with a lower payout or none at all as a result.
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.
