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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.
