Is my kitchen covered by the buildings insurance (opstalverzekering)?
In an owner-occupied home, yes. In a flat or a rented home it is different, and that difference costs tens of thousands of euros.
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In a home you own
A fitted kitchen with fitted units, a worktop and built-in appliances is a permanent fixture and falls under the structure.
A detached fridge or cooker is contents.
In a flat
The building is insured through the VvE, but that policy usually covers only the structural condition as completed.
A kitchen you had installed yourself is owner's interest: it is fixed in place, so not contents, but the VvE does not cover it. Ask the board whether the VvE has arranged this collectively. If not, include it on your home contents insurance.
In a rented home
What you as a tenant had installed is tenant's improvements. Your landlord's policy covers the property as it was let, not what was added afterwards.
Why it matters
In a kitchen fire or a leak, the first question is which policy it falls under. If the kitchen has not been declared anywhere, it falls between two covers and you pay yourself — with a new kitchen, quickly tens of thousands of euros.
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Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
Frequently asked questions
This is what people ask us most.
Is my kitchen insured?
In an owner-occupied home, under the buildings cover. In a flat or rented home, not automatically.
What about in a flat?
Then it is the owner's interest. The VvE policy usually only covers the shell of the building.
What if I rent?
Then it counts as tenant's improvements; include that on your home contents insurance.
Are free-standing appliances contents?
Yes, a free-standing fridge or cooker is.
What does that cost if it is not recorded anywhere?
With a new kitchen, easily tens of thousands of euros that you bear yourself.
How do I arrange it?
As an owner's or tenant's interest section on your home contents insurance.