Most VvEs (Dutch owners' associations) do not realise they have contents. Until someone breaks into the communal store where the garden machinery and tools are kept.
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In brief
VvE contents insurance covers the communal contents: everything belonging to the association that is not fixed to the building. Think of furniture in the hall, garden furniture, tools, garden machinery, fire extinguishers and camera surveillance.
These items do not fall under the buildings insurance (opstalverzekering), which covers only the building and what is fixed to it. Nor do they fall under the contents policies of individual owners.
This information is general in nature and is not personal advice. What is actually covered, including exclusions and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover.
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Everything belonging to the VvE that is not fixed to the building: furniture in the hall, garden furniture, tools, garden machinery and fire extinguishers.
Is this not already in the buildings insurance?
No. The buildings policy covers the building and anything fixed to it. Loose items fall outside it.
Are residents' bicycles included?
No. Those fall under the contents insurance of the owner concerned or under separate bicycle insurance.
What security is required?
Usually sound locks and fittings on the communal stores, sometimes supplemented by lighting or cameras.
What is covered and what is not
What is covered
Situation
VvE contents
Buildings, VvE
The bench and the planters in the shared hall are destroyed by fire
Yes
No
The built-in letterboxes are damaged in the same fire
No
Yes
Theft of the lawnmower and the hedge trimmer from the communal store
Provided that
No
Vandals wreck the camera at the entrance
Yes
No
The lift installation suffers water damage after a leak in the shaft
No
Yes
A resident's racing bike disappears from the bicycle store
No
No
If it is fixed to the building it is buildings. If it stands there loose and belongs to the association it is contents.
