Do you live in an apartment and do you wonder if you need a home insurance policy? The answer is: yes, but not like with a detached house . For apartments, the building insurance usually runs through the VvE (Owners' Association) . Yet there are important things that you have to insure yourself , such as your household effects, glass, improvements to the home and your liability. A good home insurance for an apartment is in line with your specific living situation and prevents financial surprises in the event of damage.

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A home insurance for an apartment consists of several components. These are the most important:

✔ Standing insurance via the VvE -the VvE usually takes a collective of building insurance for the entire building, including walls, roof and common areas
✔ Filing insurance -for damage to your personal items due to fire, theft, leakage or storm
✔ Liability insurance or not via voor)-for damage to others)
) for damage to others-for damage) for damage to others
✔ ✔ Tenants' interest/improvements -covers changes such as a luxury kitchen or floor that do not fall under the VvE insurance policy

Please note: some improvements in your apartment do not fall under the VVE-Opstal insurance. A supplementary coverage is then wise.

🔹 Supplement to the collective VvE coverage -for personal property and adjustments within your apartment
🔹 Protection against expensive damage -such as fire, water damage or theft
🔹 Cover for liability -for example if you accidentally cause water damage in the lower neighbors
🔹 peace of mind in unexpected situations -such as a leaking washing machine or burglary

With a well -coordinated home insurance you know for sure that you have no gaps in your coverage .

✔ Owners of apartments -who want to be additionally insured in addition to VVE coverage
✔ Apartment residents with valuable household effects or adjustments
✔ Landlords of apartments -who want to insure the owners' interests
✔ Buyers of new-build apartments -who are not yet affiliated with an active VVE

✅ Check what exactly insures your VvE (building, glass, lift, foundation)
✅ Always take out household insurance yourself
✅ Forget improvements such as floors, bathrooms or kitchens do not insure
✅ Consider extra coverage such as legal assistance or all -risk
✅ Compare premiums and conditions - The differences are large

Do you want to insure your apartment well and carefree? Then choose a home insurance policy that perfectly matches your VVE situation and your personal wishes .
Simply compare the best providers now and request a free quote immediately! This way you know for sure that your apartment and household effects are well protected.

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Do you manage an association of owners (VVE)? Then you are required by law to properly insure the joint building. A VvE building insurance - also called home insurance for VVEs - covers damage to the building due to, for example, fire, storm, leakage or vandalism. With this you not only protect the real estate, but also the financial interests of all apartment owners.

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A VvE building insurance covers damage to the entire building , including:

✔ Outdoor walls, roofs, floors and foundation
✔ Common areas such as corridors, stairwells, lifts and storage rooms
✔ Fixed installations (central heating, pipes, solar panels, intercoms)
✔ Glass in common and private spaces (optional)

The insurance offers protection in the event of damage caused by:

✔ Fire and extinguishing water
✔ Storm, lightning strike, flooding and hail
✔ Burglary, vandalism and collisions
✔ Explosions and smoke development

This insurance is essential to be able to repair the joint parts of the building in the event of damage, without having to pay individual owners themselves.

In almost all division deeds and on the basis of the apartment rights, a building insurance for a VvE is mandatory. This provides:

🔹 Fair premium payment- divided among all owners via the service costs
🔹 Fast damage settlement- no discussion about who has to pay what
🔹 No subsequent or over-insurance by individual residents
🔹 Professional and responsible board of the building

Without good buildings insurance, damage to the building can lead to major financial and legal problems .

✔ Small and large apartment complexes
✔ Mixed buildings (living/shops/office)
✔ New construction or monumental buildings
✔ VVEs with professional or self -management

Every VvE with collective ownership of a building needs building insurance - regardless of the size.

A VvE building insurance can often be expanded with:

✅ Liability insurance for VvE (AVB)
✅ Directors' liability
✅ Legal assistance insurance
✅ Glass insurance
✅ Environmental damage insurance

With a complete VVE insurance package you as a VvE are optimally protected against both material and legal risks.

Do you want to protect your VVE professionally and cheaply against damage to the building ? Then choose a specialist building insurance for VVEs with wide coverage and competitive premium.
Request a quote now and compare the best providers - so you know for sure that your building is well insured!

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Are you a director or manager of an Owners' Association (VVE) ? Then it is your job to properly insure the apartment complex against damage. A home insurance policy for the VvE - also known as VVE building insurance - is the basic insurance for each building with multiple owners. It offers extensive coverage in the event of fire, storm, water damage, vandalism and more , so that the joint property is optimally protected.

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A home insurance via the VvE covers damage to the building as a whole . Think of the facades, foundation, the roof, staircase, lifts, pipes, installations and other common parts. The coverage applies to damage caused by, among others:

✔ Fire, smoke and extinguishing damage
✔ Storm, hail and water damage
✔ Vandalism and burglary damage to the building
✔ Explosions, lightning strike and collisions
✔ Damage to fixed installations (such as central heating system, solar panels, pipes)

This insurance is mandatory according to almost all division deeds and prevents uncertainty or underinsurance per resident.

A collective home insurance offers many benefits for the VvE and its members:

🔹 Equal coverage for all apartments and common parts
🔹 No double or missing insurance with individual owners
🔹 Fast damage handling via one central policy
🔹 Affordable due to collective premium
🔹 Prevents conflicts about liability in the event of damage

In the event of damage to the building, the insurer pays directly to the VvE, so that recovery can be arranged quickly.

✔ VVEs of apartment complexes- from small building with 2 homes to large flat
✔ Mixed buildings (housing/shops) - also possible with adapted coverage
✔ New construction or existing construction- custom work based on year and location
✔ VVEs with professional or own management

Every association of owners responsible for the maintenance of a building must have good home insurance .

Consider expanding the home insurance with a complete VVE package , including:

✅ Liability insurance VVE (AVB)
✅ Directors' liability insurance
✅ Glass insurance
✅ Legal assistance insurance for VVEs

For example, as a VvE you are fully protected against all legal and material risks.

Do you want to insure your building properly against all conceivable risks? Then choose a customized home insurance for VVEs.
Compare the best providers today and request a free quote! That way you know for sure that your VvE is good, cheaply and professionally insured.

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