Valuation · sub-limits · art
Insuring exclusive home contents
With exclusive home contents, the sub-limits on an ordinary policy are the sticking point.
Deze pagina in het Nederlands: Exclusieve inboedel verzekeren.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
Where things go wrong
A standard home contents policy applies a a maximum per category to jewellery, audiovisual equipment and collections — often a few thousand euros for everything together.
With art and antiques the value is also tied to the individual item and cannot be derived from a list.
What does work
A valuation under Article 7:960 of the Dutch Civil Code fixes the value in advance, so that no argument arises about it when there is a claim.
For collections that rise in value, periodic revaluation is needed; a valuation that is ten years old rarely does justice to the current value.
What else to look out for
Security requirements: at higher values an insurer asks for an alarm linked to a monitoring centre, and sometimes for a safe of a prescribed grade.
Climate: with art and wine, temperature and humidity control is an underwriting question and sometimes a policy clause.
What you keep up to date yourself
A an up-to-date inventory list with photographs and provenance documents. After a theft that is your evidence, and it helps with tracing items.
Read more
Similar pages
- Why home contents insurance (inboedelverzekering) falls short for valuables
- Compare exclusive home contents insurance (inboedelverzekering)
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- What does home contents insurance (inboedelverzekering) not cover?
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Also relevant
Frequently asked questions
The questions we are asked most often about this.
Why is an ordinary home contents policy not enough?
Because of the sub-limits per category, which are often far below the actual value.
What is a valuation worth?
It fixes the value in advance, so that no argument arises when there is a claim.
How often should I revalue?
Periodically; in a rising market an old valuation is quickly out of date.
What security is required?
At higher values an alarm linked to a monitoring centre and sometimes a safe.
Does climate play a part?
With art and wine it does; it can be a condition of acceptance.
What do I keep up to date myself?
An inventory list with photographs and provenance documents.
What is covered and what is not
What is covered
| Situation | Standard contents | Contents on an agreed value |
|---|---|---|
| In a burglary a watch collection disappears that is worth well above the category limit | No | Yes |
| A remover drops a painting and the canvas tears | Provided that | Yes |
| When you claim, the loss adjuster disputes the value you give for the antiques | No | Yes |
| The valuation is ten years old and the market has risen sharply since | No | No |
| Wine spoils because the climate system in the cellar fails for days on end | No | Provided that |
| A burst pipe makes the floor covering in the living room unusable | Yes | Yes |
Without an up-to-date inventory list you still have to prove yourself what was taken in a theft, even on a valued policy.