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.
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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.
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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.