Building insurance (VvE)
Covers damage to the building (e.g., fire, storm, water damage) based on the rebuilding value. Includes common areas and fixed installations.
Building insurance for homeowners' associations
Enjoy worry-free insurance as an Owners' Association. Finass Verzekert arranges the correct rebuilding value , suitable shared building/contents , and additional modules such as glass , storage , environmental damage , and Owners' Association liability . Always with clear terms and conditions and a competitive premium.
Quick start
- Provisional coverage possible
- One permanent point of contact for the VvE
- Response within 1 working day
Which coverage suits your homeowners' association?
Glass (co-insurance)
Coverage for glass breakage in homes and common areas, including skylights where applicable.
Directors & Liability VvE
Liability for the homeowners' association (VvE) and its (co-)directors. Essential for decision-making, maintenance, and liability claims.
Environmental damage / clean-up costs
Supplement for environmental damage and clean-up costs, for example after a fire or leak.
Legal assistance VvE
Legal assistance with disputes with suppliers, contractors, or members; including contract and damages matters.
What determines the premium for a VvE building insurance policy?
Reconstruction value & year of construction
The correct rebuilding value prevents underinsurance. Year of construction and material (wood/concrete) are taken into account.
Destination & use
Residential, retail, or short-stay? Vacancy and rentals (e.g., Airbnb) also influence risk and premium.
Maintenance & MJOP
A current multi-year maintenance plan and prevention limit damage and help lower the premium.
Claims & deductible
Claims history and chosen deductible are important premium determinants.
Location & installations
Postal code, fire compartmentation, elevators, solar panels, charging stations and roof type play a role.
Prevention & maintenance
Fire & electricity
NEN inspections, smoke/fire detectors, compartmentalisation and maintenance of meter cupboards and PV installations.
Water & leakage
Periodic roof inspections, clean rainwater drainage, sealing joints in order, and monitoring for leaks.
Safety & Liability
Fall protection, maintenance of lifts and playground equipment, clear house rules and logbook.
Additional modules
Glass insurance
Extensive glass coverage including shared frames/domes.
Environmental damage
Remediation/cleanup after fire or leak; also in case of contamination by third parties (where covered).
Liability VvE
Coverage for damage to third parties caused by building or VvE activities.
Directors' liability
Personal liability of management for errors or negligence.
Legal counsel
Legal support for contracts, construction, neighbour law and debt collection.
Frequently Asked Questions
What is the difference between building insurance and VvE building insurance?
A VvE building insurance is a building insurance that is tailored to apartment rights and common areas, including installations and sometimes glass/clean-up costs.
How do we determine the correct reconstruction value?
We use appraisals/reconstruction value meters and check the year of construction, materials, square meters, and installations. This prevents underinsurance.
Are solar panels and charging stations covered by insurance?
Yes, if specified. Solar panels and charging stations are generally covered by comprehensive insurance/building insurance. Terms and conditions may vary by insurer.
Is glass covered by building insurance?
Glass is often optionally included in the insurance. A separate glass module can provide broader coverage.
How quickly will we receive a proposal?
Typically within one business day. For complex homeowners' associations, additional information may be required.
Request your no-obligation quote
We compare multiple insurers and ensure the right conditions for your complex.
