Outbuilding · attached to the home · reporting

Is a veranda covered by buildings insurance (opstalverzekering)?

A veranda usually belongs to the structure, but only if you have declared it. That is often forgotten after it is built.

Deze pagina in het Nederlands: Is een veranda meeverzekerd op de opstalverzekering?.

The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.

Work out for yourself what it would cost.

We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
We arrange the switch, including cancellation

Request a quote

A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

Attached to the home

A attached veranda with foundations and a roof structure is part of the structure. It raises the rebuild value and must therefore have been declared.

Anything built after your last declaration is not automatically included. That is the most common reason a veranda turns out not to be covered when you claim.

Free-standing

A free-standing canopy or garden house falls under the outbuildings section. That often has its own maximum; check whether it is adequate for a larger structure.

What to look out for

Storm damage is the real risk with light structures. Insurers look at the anchoring. A structure that was not properly fixed counts as neglect.

With glass in the veranda, the question is whether it falls under the glass cover. That is not always so for outbuildings.

In a flat or a rented home

The same then applies as for other permanent alterations: owner's interest or tenant's interest, and so a section on your home contents insurance.

Within Opstalverzekering

Service

Frequently asked questions

This is what people ask us most.

Is a veranda included?

As an attached part of the structure, yes, but only if you have declared it.

And a free-standing canopy?

That falls under outbuildings, often with its own maximum.

What about storm damage?

Covered, provided the structure was properly anchored; neglect falls outside.

Is the glass covered?

Not always for outbuildings; ask about that explicitly.

Do I have to report it?

Yes; a veranda raises the rebuild value and must have been declared.

What if I rent?

Then it counts as tenant's improvements; include that on your home contents insurance.

What is covered and what is not

What is covered

Situation	Extended	Comprehensive
A tree from the neighbours' garden falls through the roof of your attached veranda	Yes	Yes
After ten years the wooden posts turn out to have rotted from below and the structure sags	No	No
While cleaning the gutter you drop a ladder on the veranda's roof sheets	No	Yes
A load of wet snow pushes in the polycarbonate roof sheets	Provided that	Yes
Your child kicks a football through the glass side panel	Provided that	Yes
The LED spotlights built into the edge of the veranda roof are unscrewed and taken during the night	No	Provided that

For a free-standing canopy the same answers apply, but within the amount insured for outbuildings.

Is a veranda covered by buildings insurance (opstalverzekering)?

Attached to the home

Free-standing

What to look out for

In a flat or a rented home

Read more

Within Opstalverzekering

Similar pages

Service

Frequently asked questions

What is covered and what is not

Is a veranda covered by buildings insurance (opstalverzekering)?

Attached to the home

Free-standing

What to look out for

In a flat or a rented home

Read more

Within Opstalverzekering

Similar pages

Service

Frequently asked questions

What is covered and what is not

Privacy Settings

Functional

Preferences

Statistics

Marketing