Student house building insurance – building insurance for room rental and multiple residents

More residents, more use, more risk

In a student house, the home is used more intensively. This can lead to a higher risk of leakage, blockage, short circuit of keukenincidenten. Een Building insurance afgestemd op kamerverhuur voorkomt dat u onbedoeld onderverzekerd bent.

Fire safety is crucial

Multiple residents and shared escape routes mean that insurers can be strict on this fire prevention. Denk aan rookmelders, vluchtwegen en onderhoud. Met de juiste polis en preventie-afspraken verkleint u de kans op schade én discussie bij claims.

Standard building policies often do not fit

A regular home insurance policy that assumes self-occupation or one household may have limitations Room rental. Finass Verzekert helps you choose an insurer that will accept this correctly.

Building and fixed parts

• walls, floors, ceilings and roof;
• facade, frames, windows and doors;
• permanent kitchen/sanitary facilities (building component);
• stairs, hallways and common areas.

Fixed installations

• electricity, meter cupboard, pipework;
• central heating, hot water and (permanent) ventilation;
• sewerage/drainage (insofar as insured);
• solar panels (if specified) and fixed charging points.

Covered events (example)

• fire, explosion and lightning;
• storm and hail damage;
• water damage due to leakage/rupture of a pipe (depending on the policy);
• burglary damage (burglary) and vandalism;
• collision/collision (e.g. vehicle against facade).

Reconstruction value and underinsurance

You also usually insure student houses rebuilding value. Important:

• correct determination of reconstruction value (value meter/appraisal);
• indexation to move with construction costs;
• take renovations (additional rooms, fire compartments, upgrades) into account.

What is often not or only partially insured?

• overdue maintenance and wear and tear;
• damage due to intent or recklessness;
• tenant contents (tenants insure themselves);
• damage due to unreported room rental if this was mandatory;
• turnover/rent loss (for this purpose loss of rent appropriate).

Finass Verzekert checks conditions and clauses specifically for room rental.

Practical prevention tips (insurability-oriented)

• sufficient smoke detectors (and timely maintenance/replacement);
• keeping escape routes and stairwells clear;
• kitchen safety (grease, pans, extraction, fire blanket);
• periodic electrical checks and avoid overloading;
• fire extinguishers where appropriate and maintenance thereof.

What insurers often want to know

• number of rooms and residents;
• structure of the building (floors, escape routes);
• state of maintenance, electricity and central heating;
• management measures (inspections, house rules);
• possible renovations and fire compartmentalization.

We translate your situation into the right insurer and conditions.

loss of rent

In the event of major damage, the property may be temporarily unrentable. Of loss of rent verzekert u – onder Conditions – het loss of rental income during recovery.

Real estate liability (AOG)

Als eigenaar/verhuurder kunt u aansprakelijk zijn voor letsel of schade door gebreken aan het pand, bijvoorbeeld A defecte trapleuning of losliggende tegel. Met AOG do you cover this (depending on the policy).

Glass and landlord inventory

• Glass insurance for windows and glass in doors;
• insurance for landlord inventory for furnished rental (depending on the situation);
• Legal aid in case of disputes with tenants or contractors.

If desired, we can build this together into one real estate package.