Is my kitchen covered by the buildings insurance (opstalverzekering)?

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 &mdash. With a new kitchen, quickly tens of thousands of euros.