Zakelijk • Vastgoed • Building Insurance Real Estate
Building Insurance Real Estate – real estate insurance for your investment properties and commercial real estate
Invest Property zoals winkelpanden, kantoren, bedrijfsruimten of verhuurde woningen? Dan wilt u uw real estate portfolio professioneel en duurzaam beschermen. Met een goede buildings insurance for real estate insure your properties against damage caused by: fire, storm, burglary, water damage, vandalism and other unexpected events .
Finass is insured specialist in property insurance. We provide one tailor-made real estate and building insurance, afgestemd op type pand, rebuilding value, ligging, gebruik (verhuur, leegstand, eigen gebruik) en risicoprofiel. Eén aanspreekpunt voor al uw vastgoed, met scherpe premie en duidelijke voorwaarden.
Real estate building insurance in brief
Immediately buildings insurance for real estate verzekert u uw beleggingspanden en overige vastgoedobjecten tegen material damage to the building zelf. Dat geldt voor:
- office buildings, shops and business premises;
- rented homes and apartment complexes;
- warehouses, storage halls and other company buildings;
- club buildings and other real estate objects.
Finass Verzekert compares your Building Insurance Real Estate bij meerdere verzekeraars, zodat u voor uw real estate portfolio de best and most competitive premium with appropriate conditions.
Why building insurance for your real estate portfolio?
Protection of your real estate investment
Real estate often represents high values. Brand, storm of waterschade kan in één keer een groot deel van uw vermogen aantasten. Een Building insurance zorgt ervoor dat de repair or rebuilding costs be reimbursed so that you can continue your investment strategy.
Professional risk management for investors
As a real estate investor or manager, you want to keep risks manageable. A well furnished one property insurance is part of professional risk management:
- clear coverage per property or per portfolio;
- clear policy structure (one or more policies);
- coordination with financier and rental contracts.
Requirements from bank, homeowners' association or contract partners
Financiers, Owners' Associations (HOAs) and business tenants expect that the gebouwen goed zijn verzekerd. Met een Building Insurance Real Estate voldoet u aan deze eisen en voorkomt u discussie over wie welk risico draagt bij schade.
✔ Focused on investment properties and commercial real estate
✔ Part of one professional real estate policy
✔ Security for you and for financiers, tenants and other stakeholders
Which types of real estate do we insure with buildings insurance?
Finass Insures insures a wide range of products real estate objects, van één pand tot een grotere portefeuille. We stemmen de Building insurance af op type of object, use, location and risk profile .
Commercial real estate
- retail properties and shopping centers;
- office buildings and business premises;
- catering properties (restaurant, café, hotel);
- practice areas and service companies.
Business premises and logistics
- business premises, warehouses and storage halls;
- production halls and workshops;
- logistics centers and distribution halls;
- combinations of office and business space.
Rented homes and mixed real estate
- rented houses and apartments;
- apartment complexes (in combination with homeowners' association structures);
- mixed buildings (shop + residential);
- vacant properties awaiting rental or sale (in consultation).
What does building insurance for real estate cover?
A Building Insurance Real Estate covers damage to the building itself and everything there permanently connected is. De basis is vergelijkbaar met een business building insurance, maar dan specifiek ingericht voor real estate investments .
Building and associated structures
- walls, floors, ceilings and roofs;
- frames, windows, doors and facade cladding;
- extensions and outbuildings, garages, carports and sheds;
- foundation, paving, fences and gates (depending on the policy).
Fixed installations and facilities
- central heating installation, climate and ventilation systems;
- electrical installations and distribution cabinets;
- lifts, barriers, light poles and access systems;
- solar panels and charging stations that are permanently attached to or on the building (if specified).
Loose inventory and furnishings of tenants are covered by their own insurance (tenant's interest/inventory).
Insured events (example)
- fire, explosion and lightning;
- storm and hail damage;
- water damage (tap water, precipitation, leakage – policy dependent);
- burglary damage and vandalism;
- collision or impact (e.g. vehicle damage to facade).
What is often not or only partially insured?
- damage by overdue maintenance or defective construction;
- damage by illegal activities (e.g. hemp cultivation);
- damage by war, earthquakes or nuclear reactions;
- major flooding due to certain primary flood defenses;
- loss of turnover or rent (business interruption/tenant damage insurance required).
Finass Verzekert checks your policy coverage, exclusions and clauses and explain this.
Reconstruction value, appraisal and underinsurance
- insurance based on rebuilding value (what does new construction cost in its current state);
- possibility of valuation and settlement agreement;
- indexation to move with construction costs;
- where possible guarantee against underinsurance for extra security.
We help you with a realistic valuation per property or portfolio, so that you will not be faced with any surprises in the event of damage.
Real estate building insurance for rental, vacancy and renovation
Rented real estate
Bee rented properties it is important that the policy clearly states:
- to whom you rent (private, business, short stay);
- the use (residential, catering, office, retail, storage);
- which matters are for the tenant's account (inventory/tenant's interest);
- what obligations the tenant has regarding prevention and maintenance.
Vacancy and transformation
Bee vacancy or transformation gelden andere risico’s ( Bee voorbeeld brandstichting of inbraak). Verzekeraars hanteren daarom vaak specifieke voorwaarden:
- reporting obligation in the event of long-term vacancy;
- additional security and control requirements;
- during renovation: coordination with any CAR insurance .
Always report changes in a timely manner – Finass Verzekert will arrange the adjustment of your policy.
Loss of rent and business damage
If there is damage to the building, your tenant cannot (temporarily) use the space. Then consider:
- loss of rent: lost rental income after a covered event;
- business damage with tenants themselves (own policy);
- possible agreements in the rental contract about who bears what risk.
Together we will determine whether one tenant damage or business interruption insurance as an addition is required.
How much does building insurance for real estate cost?
The premium of one Building Insurance Real Estate depends on, among other things rebuilding value, bouwaard, gebruik, locatie en beveiliging. Onderstaande premievoorbeelden zijn indicatief en gebaseerd op Commerciale gebouwen, zoals op de bestaande voorbeelden.
Building insurance premium examples (indicative)
| Type of property | rebuilding value | Bouwaard | Indication of premium per month* |
|---|---|---|---|
| Commercial real estate – Restaurant (catering premises) | €600,000 | Stone | ± € 124.33 |
| Commercial real estate – Shop premises (butcher's shop) | €260,000 | Stone | ± €21.03 |
*These are sample premiums, exclusief assurantiebelasting en eventuele pakketkorting. De daadwerkelijke premie is afhankelijk van uw situatie, gekozen dekking, own risk en verzekeraar. Aan deze voorbeelden kunnen geen rechten worden ontleend.
Characteristics of the property and portfolio
- reconstruction value per property and total (portfolio);
- construction type (stone, steel, wood, fire class);
- year of construction, maintenance status and renovations;
- location and environmental risk (fire/burglary susceptibility).
Use, rental and vacancy
- type of use (residential, shop, catering, office, storage);
- rented to private individuals or companies;
- degree and duration of vacancy;
- presence of catering/risky activities.
Safety and policy choices
- fire and burglary protection (BORG, BMI, sprinklers);
- covered perils (standard, comprehensive, all-risk);
- height of it own risk per damage;
- see you 15% package discount with multiple real estate coverage through Finass Verzekert.
Curious about the premium for your real estate portfolio?
Question one no-obligation quote On. You will receive a clear proposal including premiums and conditions.
Combine building insurance with other property insurance
Property liability insurance (AOG)
As a property owner you can be held liable for:
- injury to third parties due to a defect in the property;
- damage to third party property (e.g. falling roof tiles);
- unsafe situations on your property.
A real estate liability (AOG) covers these risks and is included in your building insurance.
Inventory, tenant interests and environmental damage
- Inventory/tenant interest: for installation packages and finishing that is not part of the building.
- Environmental damage insurance: for remediation costs in the event of soil or environmental damage (e.g. leaking tanks).
- Glass Real Estate: for windows, facades and skylights.
This way you cover the building, the completion and any environmental damage around your property.
Real estate package with discount
By placing multiple property insurance policies with Finass Verzekert, you benefit from:
- one point of contact for all your real estate policies;
- clear administration and renewal;
- package discount up to approximately 15% (depending on number of categories and insurer).
We would be happy to make a proposal for you complete property insurance package .
Frequently asked questions about real estate building insurance
What exactly is building insurance for real estate?
A Building Insurance Real Estate is insurance for Investment propertyen en commercieel vastgoed. U verzekert de opstal – het gebouw zelf en alles wat daar permanently connected is – tegen schade door onder andere brand, storm, inbraak, waterschade en vandalisme. De polis is ingericht op de rol van u als real estate owner or investor, often independently of the activities of your tenants.
What is the difference between commercial building insurance and real estate building insurance?
Basically, both coverages are similar: they insure the building. The difference is mainly in the use and structure:
- A business building insurance is often linked to the own company located in the building;
- A Building Insurance Real Estate is designed for investment properties, often with (multiple) tenants;
- more account is taken of rental, vacancy and tenant risks.
Is buildings insurance for real estate mandatory?
Legal is one Building Insurance Real Estate meestal niet rechtstreeks verplicht . In de praktijk eisen banks When financing real estate, the property is properly insured. Also in rental agreements wordt vaak afgesproken dat de eigenaar een adequate opstal-/ Building insurance afsluit. Daarnaast is het uit oogpunt van risicobeheer sterk aan te raden, omdat schadebedragen zeer hoog kunnen zijn.
Am I also insured if my building is (temporarily) vacant?
vacancy brengt extra risico’s met zich mee (bijvoorbeeld brandstichting of inbraak). Veel verzekeraars hanteren daarom specifieke voorwaarden bij vacancy. One often applies reporting obligation en kunnen bepaalde dekkingen worden beperkt als leegstand niet is doorgegeven. Meld leegstand altijd tijdig – Finass Insures stemt de polis daarop af zodat u niet onbewust onverzekerd bent.
Is loss of rent in the event of damage also covered by buildings insurance?
Building insurance normally reimburses the costs material damage to the building. De misgelopen huurinkomsten (loss of rent) vallen in principe not automatically onder de dekking. Hiervoor zijn aparte oplossingen mogelijk, zoals A loss of rent or business interruption insurance. Wij bekijken graag welke variant het beste bij uw real estate portfolio past.
Do I have to insure my tenants' inventory?
In most cases not. Your Building insurance dekt het pand en de vaste onderdelen. De huurder is zelf verantwoordelijk voor de Insurance van inventory, stock and tenant interest. Wel is het verstandig in de huurcontracten vast te leggen wie welke zaken verzekert, zodat er bij schade g A onduidelijkheid ontstaat.
Can solar panels and charging stations on my property be insured?
Yes, solar panels and charging stations die vast op of aan het gebouw zijn bevestigd, kunnen in veel gevallen binnen de Building insurance worden meeverzekerd, mits deze bij de verzekeraar worden opgegeven. Zonnepanelen op andere locaties of losstaande installaties kunnen soms apart verzekerd worden. Geef deze voorzieningen altijd bij uw aanvraag door.
How do I prevent underinsurance of my real estate?
Onderverzekering betekent dat de verzekerde som lager is dan de werkelijke rebuilding value, waardoor u bij schade een deel zelf moet betalen. U voorkomt dit door:
- A reconstruction value assessment or use a reconstruction value meter;
- to report renovations, extensions and sustainability in a timely manner;
- to opt for a policy with guarantee against underinsurance, where possible.
Finass Verzekert helps you determine the correct sum insured and keep it up to date.
What information is required for a real estate building insurance quote?
For a good and competitive quote we need, among other things:
- address and type of real estate (shop, office, house, business premises, etc.);
- year of construction, type of construction and (if available) appraisal report;
- reconstruction value per property and/or total portfolio;
- information about rental, vacancy and use per object;
- explanation of fire and burglary protection and other prevention;
- desired coverage and amount of the deductible.
On this basis, Finass Verzekert compares different options real estate insurers en ontvangt u een helder voorstel voor uw Building Insurance Real Estate.
Want to take out real estate building insurance? Request a customized quote
Do you want your real estate portfolio – van één beleggingspand tot meerdere objecten – goed en scherp geprijsd verzekeren? Finass Insures helpt u met een tailor-made real estate building insurance, afgestemd op uw panden, huurders, financiering en risicoprofiel .
Request a quote for real estate building insurance
Would you prefer direct personal contact? Call 072 – 509 24 56 or email to info@finass . nl . Wij nemen uw situatie rustig door en adviseren welke property insurance het beste Bee uw plannen en portefeuille past.
