What exactly counts as buildings?
The main rule: everything permanently attached to the house. What you would take with you when moving is contents.
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The building itself
Walls, roof, floors, frames, windows and doors. The foundations, the installations for water, gas and electricity, and the central heating system.
Also what you had built in: a kitchen, a bathroom, a glued-down floor, a run of fitted cupboards.
What goes with it
Outbuildings on the same plot: shed, garage, garden house, carport. A separate maximum often applies to these; check that it is adequate.
Boundary fences such as a fence or wall, and paving. For storm, the cover for these is sometimes limited.
Solar panels, heat pump and charging point: they raise the rebuild value and should have been declared.
Where the line lies
A detached fridge is contents; a built-in one is buildings. A click-fit flooring that is loose-laid is contents; a glued-down floor is buildings.
If in doubt: would you take it with you when you move? Then it is contents.
In a flat or a rented home
Then it changes. In a flat the VvE insures the building and what you installed yourself is owner's interest. With a rented home it is tenant's improvements; you include both on your home contents insurance.
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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.
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We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
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You call or email someone who knows your file. No menu options, no changing call centres.
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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 counts as the buildings?
Everything permanently attached to the house, including installations.
Are outbuildings included?
Yes, on the same plot, often with a separate maximum.
Is a fitted kitchen part of the buildings?
In your own home yes. In a flat it is owner's interest.
Are solar panels covered as well?
If you have declared them; they raise the rebuild value.
What is the rule of thumb?
Would you take it with you when you move? Then it is contents.
What if I rent?
Then what you installed is tenant's interest; include it on your home contents insurance.