Zakelijk • Vastgoed • inventory insurance verhuur
Rental property inventory insurance – insure inventory and movable property of landlords
Do you rent out? furnished living space, Apartmenten, short-stay of verhuurt u bedrijfsruimtes met inventaris van de verhuurder? Dan loopt u risico op schade aan inventory and goods by events such as fire, storm, water damage, burglary and vandalism (policy dependent). Met een inventory insurance for rental real estate protect your movable property and prevent unexpected replacement costs.
Finass Verzekert is a specialist in this property insurance and rented real estate. Wij vergelijken meerdere verzekeraars en stemmen dekking en clausules af op uw verhuurvorm, leegstandrisico, Tenant changes en de waarde van uw inventaris. U ontvangt een helder voorstel met een sterke value for money and a clear policy review.
Asset insurance rental property in brief
A inventory insurance (inventory and goods insurance) covers (according to policy conditions) damage movable property that you as a landlord make available in or near the property. Think of furniture, white goods, floor finishing (movable), equipment and general inventory.
What should you pay attention to?
- Who owns it? Landlord inventory vs tenant inventory.
- Vacancy & bills: reporting obligation and clauses (policy dependent).
- Valuation: new value vs current value (policy dependent).
- Own risk, security and exclusions (e.g. wear and tear/maintenance).
Tip: coordinate inventory coverage with your building insurance and your contracts with tenants.
Why insure inventory and goods when renting real estate?
Protect your landlord inventory
Bij gemeubileerde verhuur vertegenwoordigt de Inventory een aanzienlijk bedrag. Schade of verlies kan direct uw rendement en cashflow raken.
Rental has additional risks
Huurderswissels, leegstand en intensief gebruik verhogen de kans op schade. Inventarisdekking helpt u het risico te beheersen (policy dependent).
Faster recovery, less downtime
Na schade wilt u snel kunnen vervangen en doorverhuren. Een goede polis met duidelijke Conditions voorkomt discussie en vertraging.
✔ For landlords of furnished homes, apartments and business premises with inventory
✔ Coverage tailored to rental type, vacancy and risk profile
✔ Clear policy review: deductible, clauses and underinsurance
Who is rental property inventory insurance suitable for?
Landlords (furnished)
- apartments and houses with furniture/white goods;
- short-stay or expat rental;
- room rental (situation-dependent);
- multi-unit properties.
Real estate investors & portfolios
- multiple objects with landlord inventory;
- central purchasing/standard design;
- need for uniform claims management;
- combination with buildings, glass and AOG.
Commercial rental (with inventory)
- commercial spaces with rental equipment;
- reception/general areas in office building;
- shared facilities (situation-dependent);
- acceptance may depend on the tenant's sector.
What does inventory and goods include when renting?
Examples of landlord inventory
- furniture: beds, sofas, tables, chairs;
- white goods: refrigerator, washing machine, dryer;
- electronics: television, router, kitchen appliances;
- movable floor finish (depending on definition);
- separate facilities: curtains/window coverings (depending on the policy).
What is usually not covered?
- It building itself (this is covered by buildings/buildings insurance);
- contents of the tenant (tenant insures himself);
- wear and tear, deferred maintenance and non-eventful defects;
- damage due to intent/recklessness (policy dependent).
The exact definition of “inventory” and “goods” varies per insurer/policy.
Landlord's interest and tenant's interest: avoid confusion
In real estate we often see multiple interests: landlord interest (affairs of the owner/landlord), tenant interest (tenant's adjustments) and sometimes ownership interest (bij Apartmenten). Wij helpen u dit correct te scheiden en te verzekeren om discussie bij schade te voorkomen.
Inventory insurance coverage for rental property
The coverage below is common for inventory and goods insurance, but is always policy dependent. Wij leggen de exacte Coverage en uitsluitingen vooraf helder uit.
Fire & smoke damage
- fire, explosion, lightning;
- smoke and soot damage;
- extinguishing and rescue costs (depending on the policy).
Storm & water damage
- storm/hail (policy dependent);
- water damage due to pipe breakage/leakage (policy dependent);
- consequential damage to inventory in the unit.
Burglary & vandalism
- theft after forced entry (policy dependent);
- destruction and vandalism;
- prevention requirements (locks/alarm) may apply.
New value, current value and depreciation
With inventory, the benefit basis is important: new value or current value. Dit verschilt per objecttype en polis. Wij controleren afschrijvingstabellen, maximale vergoedingen en eventuele “oud voor New”-clausules.
What is often limited insured?
- damage due to normal use (wear and tear);
- cosmetic damage without loss of function (policy dependent);
- damage during moving/transport (separate coverage);
- long-term leakage without intervention;
- insufficient security or failure to meet prevention requirements.
We make this concrete in advance so that your policy matches your rental practice.
Vacancy, tenant change and rental type: crucial for acceptance
Vacancy
Vacancy verhoogt het risico op inbraak, vandalisme en water-/brandschade. Veel verzekeraars hanteren vacancy clauses or reporting obligations.
Tenant change
Wissels geven piekmomenten in Injury (verhuizing, montage/demontage, sleuteloverdracht). Heldere afspraken en inspecties beperken Injurys en discussie.
Rental form
Regulare verhuur, short-stay, kamergewijze verhuur of gemengd gebruik kan anders worden beoordeeld. Meld het gebruik correct om dekkingproblemen te voorkomen.
Prevent value, inventory list and underinsurance
Why underinsurance is common
Inventaris groeit ongemerkt: extra meubels, apparatuur, vervangingen en upgrades. Als de verzekerde som achterblijft, kan de uitkering lager zijn (policy dependent).
- create a current inventory list per object/unit;
- update in case of replacement or extension;
- check whether indexation or value scheme applies.
Valuing inventory: practical
A good valuation does not have to be complicated. Start with:
- global new value per category (furniture, white goods, electronics);
- include the top 10 most expensive items separately;
- photos/receipts where possible.
We help you determine the insured sum appropriately and explain the valuation system.
Quotation information that you often need
| Element | Examples | Why important |
|---|---|---|
| Object & rental | address(es), type of rental, occupancy, vacancy, tenant mix | Acceptance and conditions depend on the rental type and risk. |
| Asset value | new value/current value, inventory list, valuable items | Prevents underinsurance and discussion in the event of damage. |
| Prevention | locks, key management, alarm/CCTV (if present) | May affect rate and coverage (policy dependent). |
| Wishes | deductible, coverage level, combination with buildings/AOG/glass | Makes the package fit and prevents gaps or overlap. |
Indicative; exact requirements depend on insurer and policy.
How much does inventory insurance for rental property cost?
De premie hangt af van Asset value, verhuurvorm, locatie, preventie, gekozen dekkingen en eigen risico. Leegstand en huurderswissels kunnen de acceptatie en premie beïnvloeden.
Premium factors
- sum insured (asset value);
- dice/HR or current value (policy dependent);
- zip code/burglary risk;
- vacancy/changes and rental type;
- deductible and additional clauses.
This way you get a competitive premium
- current inventory list and realistic valuation;
- appropriate deductible per object;
- demonstrable preventive measures (locks/key management);
- combine with building/AOG/glass (discount possible).
What we do for you
- comparison of multiple insurers;
- checking vacancy and rental clauses;
- policy review for valuation and benefit (new/day);
- support in the event of damage and communication.
Would you like to know exactly what your inventory insurance costs?
Request one immediately no-obligation quote On.
Reporting damage: this is how inventory handling works in rental
Step-by-step plan in case of damage
- Limit consequential damage: secure, shut off water/electricity where necessary.
- Document: photos, inventory list, serial numbers/receipts (if available).
- Report in time: quick reporting prevents discussion about exacerbation.
- Cause: fire, leakage, burglary (often report a burglary).
- Repair/replacement: coordination with insurer and recovery route (policy dependent).
We guide you in coverage testing and claim settlement.
Common pitfalls
- inventory not demonstrable (no list/photos);
- unclear ownership (landlord vs tenant);
- vacancy/rental form not reported;
- failure to meet prevention requirements;
- underinsurance due to outdated sum insured.
Combine smartly with property insurance
Building insurance (buildings)
Voor schade aan het gebouw (dak, muren, vaste installaties) door o.a. brand/storm/waterschade (policy dependent). Inventarisdekking is aanvullend voor roerende zaken.
Glass cover
For broken windows, doors and facades (depending on the policy). Certainly relevant for shop fronts and porches.
AOG (Liability O/G)
Voor Liability door gebreken aan het pand richting derden. Relevant bij verhuur en gemeenschappelijke ruimten.
Why combining pays off
Door inventarisdekking, opstal en aanvullende rubrieken in één pakket af te stemmen, voorkomt u overlap/hiaten en is pakketkorting vaak mogelijk (policy dependent).
Frequently asked questions about rental property inventory insurance
What is inventory insurance for rental property?
Een inventory insurance (inventaris- en goederenverzekering) dekt volgens polisvoorwaarden schade aan roerende zaken die u als verhuurder in/voor het pand beschikbaar stelt. Denk aan meubels, witgoed, apparatuur en andere inventaris.
What is the difference between buildings, contents and inventory?
Building is the building and fixed parts. Contents is loose household goods of the resident/tenant. Inventory rental concerns the lessor's movable property that is part of the rental (furniture, white goods, equipment).
Is damage caused by tenants insured as standard?
Dit is polisafhankelijk. De inventory insurance ziet doorgaans op schade door verzekerde gebeurtenissen (brand, lekkage, inbraak, vandalisme e.d.). Schade door normaal gebruik, slijtage of contractuele discussies valt vaak buiten dekking.
What about vacancies and tenant changes?
Leegstand en wissels kunnen invloed hebben op acceptatie, premie en dekking. Vaak gelden meldplichten en vacancy clauses. Wij helpen u dit correct te regelen.
How do I prevent underinsurance?
Houd uw inventarislijst actueel en bepaal een realistische verzekerde som. Neem kostbare items apart op, bewaar (digitale) aankoopbewijzen en update bij vervanging. Controleer ook of indexatie of waarderegelingen van toepassing zijn (policy dependent).
What information is required for a rental inventory insurance quote?
Usually required are: object(s) and rental form, occupancy/vacancy, inventory value (with inventory list), prevention (locks/key management) and desired choices (coverage/deductible).
Would you like to take out inventory insurance for rental property? Request a no-obligation quote
Wilt u inventaris en roerende zaken in uw verhuurobjecten goed en scherp geprijsd verzekeren? Finass Insures helpt u met een customized inventory insurance, tailored to rental type, vacancy risk, inventory value and prevention.
Request an inventory insurance quote
Would you prefer direct personal contact? Call 072 – 509 24 56 or email to info@finass.nl. Wij nemen uw situatie door en adviseren de beste inventaris- en goederenInsurance voor verhuur vastgoed.
