As an apartment owner you are automatically a member of the Owners' Association (VvE). The HOA building insurance covers the common parts of the building, such as the facades, the roof and the foundation. But what happens to adjustments or improvements that you have made to your apartment? There is an additional one for this owner's interest insurance essential.

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The standard homeowners' association building insurance often only covers the shell of the building. Owner's interest offers additional coverage for matters that you as the owner have installed or improved yourself, such as:

• Kitchens, bathrooms and other fixed installations.
• Luxury floors, such as parquet or tiles.
• Custom built-in wardrobes or other personal improvements.

• Protecting Your Customizations: Coverage for personal improvements to your apartment that are not covered by the standard homeowners' association building insurance.
• Financial Security: Avoid unexpected costs for repairing damaged modifications or luxury upgrades.
• Additional Coverage: Owner's interest fills the gaps in the coverage of the homeowners' association building insurance.

• Customized Coverage: Obtain owner's interest insurance specifically tailored to the value of your modifications.
• No Overlap: Check the policy conditions of the homeowners' association building insurance to see what is already covered and take out owner's interest for the rest.

• Apartment owners who have invested in luxury improvements to their homes.
• VvE members who want to supplement the standard home insurance for personal security.
• Investors who want to protect rental apartments from damage to luxury amenities.

1. Determine the Value of Your Adjustments: Have an estimate made of the value of your improvements.
2. Check the homeowners' association policy: Make sure you know exactly what is already insured through the homeowners' association building insurance.
3. Compare Insurers: Choose insurance that explicitly covers ownership interests.

With an owner's interest insurance within the homeowners' association building insurance, you are assured of optimal protection of both the communal building and your personal investments.

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