Dormant homeowners' association and building insurance: Protect your apartment against risks

A dormant Owners' Association (VvE) arises when there is no active management and mandatory tasks, such as maintenance and insurance, are not carried out. This entails major risks, especially when it comes to damage to the building. Taking out buildings insurance for a dormant homeowners' association is essential to protect your apartment and the building you live in against unforeseen damage.

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What is a Dormant VvE?

A dormant homeowners' association is an association that is not actively managed. There is no joint maintenance plan and collective insurance, such as building insurance, is often lacking. This means that damage to the building, for example due to fire or storm, is not covered collectively, which can have major financial consequences for individual owners.

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Why is Building Insurance for a Dormant Owners Association Important?

Protection against Damage : Without insurance, residents are responsible for the costs of damage to common parts such as the roof, facade or stairwell.
Legal Obligation : An active homeowners' association must have building insurance by law. With a dormant homeowners' association, it is wise for owners to take on this responsibility.
Peace of mind : Home insurance prevents you as an individual owner from paying high repair costs.

How does building insurance work for a dormant homeowners' association?

Individual Coverage : Take out building insurance for your apartment yourself. Some insurers offer options for individual coverage within a dormant homeowners' association.
Collective Option : Mobilize the other owners to take out building insurance together and activate the homeowners' association.
Additional Owner's Interest Insurance : Cover improvements or modifications in your own apartment, such as a luxury kitchen or flooring.

Tips for Insuring a Dormant VvE

Check the Status of Your VvE : Does your VvE not have active insurance? Then take action yourself.
Compare Insurers : Choose building insurance that takes dormant homeowners' associations into account.
Consider VvE Activation : Active VvEs benefit from collective coverage and better risk spreading.

How do you find the best building insurance for a dormant homeowners' association?

Compare insurers who have experience with dormant homeowners' associations and choose a policy that suits your situation. With the right insurance you can avoid high costs and protect your home and investment against damage.