VvE home contents insurance (inboedelverzekering)
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.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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Work out for yourself what it would cost.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
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 page deals with one part. The overview of all parts is on the the main VvE insurance page.
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We compare your contents insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Get coveredWhy arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
What to look out for
Take stock of what is actually there
Garden machinery, ladders, tools and cleaning equipment soon add up. Draw up a list with values and photographs.
Security of the store
Theft cover depends on the security of the communal area. A good lock and lighting are often a condition.
Not residents' own belongings
Bicycles and belongings of individual owners in the store fall under their own contents policy, not under that of the VvE.
Small amount, little scope for argument
The premium is modest. The benefit lies mainly in clarity when a claim arises, so that no argument develops about who pays for what.
What determines the premium
- Sum insured for communal contents
- Security of stores and hall
- Number of apartment rights
- Location
- Excess
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.
Reviewed by the advisory team of Finass Verzekert · LinkedIn
Finass Advies B.V. · AFM licence 12016589 · Chamber of Commerce 37131781
AFM licence for: Adviseren en bemiddelen in schadeverzekeringen particulier, Adviseren en bemiddelen in schadeverzekeringen zakelijk
Last reviewed on
This page was written and reviewed by advisers of a firm licensed by the AFM (Wft). Advice and policies are always handled by an adviser, never automatically.
Frequently asked questions
What counts as communal contents?
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.
Every situation is different. For these situations we have a separate page.
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