What does home contents insurance (inboedelverzekering) not cover?
The exclusions matter more than the cover, because that is where the surprise comes from.
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What is never covered
Wear and tear, ageing and vermin. A sofa that sags or an appliance that stops after eight years is not sudden damage.
Gradual damage such as damp slowly rising or a leak that went unnoticed for months.
Motor vehicles, trailers and boats, even when they are in your garage; they have their own insurance.
What often falls outside
Your own mishaps such as dropping something. That is only covered under comprehensive cover, not under extended cover.
Away from home — theft from your bag, a broken phone in the pub — falls outside most policies.
What is fixed: a fitted kitchen or glued-down floor is buildings, or tenant's improvements if you rent.
What is covered only in part
For jewellery, audiovisual equipment and collections a sub-limit applies per category, often a few thousand euros for everything together.
Money and securities carry a low maximum. Garden furniture sometimes has its own conditions for damage outside the home.
What to do about it
Read the sub-limits on your policy schedule; they are there, but almost nobody looks before something happens. Anything above them you insure with a valuables policy, which also covers you away from home.
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Also relevant
Why 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.
Frequently asked questions
This is what people ask us most.
What is never covered?
Wear and tear, gradual damage, vermin and motor vehicles.
Are my own mishaps covered?
Only under comprehensive cover; extended home contents insurance does not cover them.
Is my phone covered away from home?
Usually not; valuables insurance is needed for that.
What is a sub-limit?
A maximum per category, for example for jewellery or audiovisual equipment.
Does a fitted kitchen fall under it?
No; anything fixed is buildings or tenant's improvements.
How do I insure what exceeds the limit?
With valuables insurance, which provides comprehensive worldwide cover.