Damage to your garage box? This covers a home insurance!

A garage box is a valuable investment, whether you use it for your car, motorcycle, tools or storage of other precious items . But what if your garage rises fire damage , a storm races over or there is burglary damage ?

With a home insurance policy for your garage box you protect yourself against unexpected costs. In this blog you can read what damage a building insurance covers , which is not reimbursed , and how you ensure that you choose the right coverage .

1. When do you need home insurance for your garage box?

A home insurance cover damage to the building itself But is such an insurance required for a garage box?

✔ Mandatory or optional?

✔ Garage box on its own land - not legally required, but strongly recommended.
✔ Garage box with mortgage - banks often require a home insurance when you finance a garage box.
✔ Garage box in a VvE - often collectively insured via the VvE.
✔ Rented garage box - insurance is smart to prevent you from turning for damage.

💡 Do you doubt whether your garage is already insured? Check your home insurance policy or ask your VvE.

2. What damage does a home insurance cover for a garage box?

A home insurance offers coverage for damage to the garage box itself. These are the most important claims that are covered:

✅ What is covered?

🔥 Fire damage - for example due to a short circuit or an external fire.
🌪 Storm and hail damage- broken roofs or walls due to extreme weather conditions.
💦 Water damage - Damage due to floods, leaks or jumped pipes.
🔑 Burglary and vandalism - Damage to doors, ditches and walls after a burglary attempt.
🚗 Collision damage - A vehicle that accidentally encounters your garage.

📌 Note: Some insurers only reimburse storm damage in wind force 7 or higher. Always check the policy conditions.

3. What does a home insurance not cover?

Not all damage is reimbursed as standard. This is what a home insurance usually does not cover:

⛔ Stolen items from the garage - do you want to insure your tools, motorcycle or car? Then you need a household effects or vehicle insurance .
⛔ Damage due to overdue maintenance - for example if a roof collapses due to poor condition.
⛔ Illegal activities - storage of hazardous substances can lead to a claim.
⛔ Wear - normal aging or small cracks in the walls are not reimbursed.

💡 Do you want to know what the best coverage is? Request a quote from Finass insures .

4. What if your garage box falls under your home insurance?

Some home insurance policies cover individual garages as these on the same plot as your home .

Check the policy conditions:

✔ Or outbuildings (such as garages) are automatically insured.
✔ Whether there is a maximum distance between your home and garage box.
✔ Whether extra coverage is required when your garage is rented.

📌 Tip: Is your garage box in a different location? Then you a separate home insurance policy .

5. How do you choose the best building insurance for your garage box?

Not all insurance policies offer the same coverage. Note these points when choosing an insurance:

✔ 1. Choose the correct coverage for storm and fire damage

Garage boxes are extra vulnerable to storm, hail and fire . Make sure your insurance covers this damage in full .

✔ 2. Pay attention to coverage in the event of burglary and vandalism

Garage boxes are often targets for burglars . Choose an insurance policy that burglary damage to the garage .

✔ 3. Check whether the rebuilding value is properly insured

In the event of damage you will receive a reimbursement based on the rebuilding value . Make sure that it realistic and not estimated too low.

💡 Tip: Insurers sometimes give a discount if your garage has an extra good lock or alarm system .

6. What does a home insurance cost for a garage box?

The premium of a home insurance for a garage box depends on:

📌 The value of the garage - the more expensive the garage, the higher the premium.
📌 The location - burglar -sensitive areas often have higher premiums.
📌 Dress level- Extra coverage for storm and burglary damage increases the premium.
📌 Own risk - a higher deductible lowers the premium.

💰 Indication of the costs:
🔹 Loose garage box - from € 5 to € 15 per month .
🔹 Garagebox as part of home insurance - often included.
🔹 Garage box in a VvE - often collectively insured via the VvE.

💡 Do you want to know what an insurance policy costs for your garage box? Request a free quote from Finass insures .

7. Frequently asked questions about building insurance for garage boxes

💬 Is my garage box insured through my home?
Sometimes, but only if the garage on the same plot as your home.

💬 Does a home insurance also cover the items in my garage box?
No, the home insurance only covers the building itself . A separate insurance is required for tools or vehicles.

💬 What if my garage box is vacant?
Some insurers limit coverage in the event of long -term vacancy . This can affect the compensation in the event of damage.

💬 Can I insure my garage box with my VVE?
If your garage is part of a VvE , it usually falls under the joint home insurance . Request this from the VvE manager.

💬 Is storm or fire damage always covered?
Yes, but some insurers use an increased deductible for storm and fire damage.

8. How do you take out home insurance for your garage box?

Do you want to be sure that your garage box is well insured? Follow these steps:

1️⃣ Check whether your garage is already co-insured with your home or VVE-Opstal insurance.
2️⃣ Compare coverings and premiums from different insurers.
3️⃣ Select an insurance policy with the correct coverage for fire, storm and burglary damage.
4️⃣ Request a quote from Finass insure for a customized policy.
5️⃣ Take out the insurance and enjoy optimum protection!

💡 Do you want to optimally protect your garage box? Request a quote from Finass insures and discover the best insurance for your situation! 🚀

Insurance garage box: do you need a home insurance?

A garage box can be a valuable investment, whether you use it as a parking space, storage space or rented object . But what if your garage rises fire damage , has storm damage , or there is a burglary ?

a home insurance for your garage box against these risks. But is such an insurance required ? What exactly is covered ? And how do you choose the best insurance ? In this blog you discover everything you need to know about insuring your garage box.

1. Is it required for your garage box?

The obligation of a home insurance for a garage box depends on your ownership situation :

✔ Garage box on its own land - a home insurance is not required by law , but strongly recommended to cover damage.
✔ Garage box with mortgage - many banks demand a home insurance if you have financed the garage box.
✔ Garage box in an Owners' Association (VVE) - The VvE can have a collective building insurance that will ensure your garage.
✔ Rented garage box - If you rent a garage box, a home insurance policy for rental strongly recommended.

💡 Do you doubt whether your garage box is already insured? Check your home insurance policy or ask your VvE.

2. What does a home insurance cover for a garage box?

A home insurance covers the garage itself , but not the things that are in it. The exact coverage differs per insurer, but usually the following risks are covered:

✅ What is covered?

🔹 fire damage- coverage in the event of fire, smoke and extinguishing damage.
🔹 Storm and weather damage- In the event of damage caused by storm, lightning and hail.
🔹 Water damage - leakage due to rain or jumped pipes.
🔹 Burglary and vandalism - Damage to the garage itself due to a burglary attempt.
🔹 Collision damage - if someone accidentally hit your garage.

📌 Please note: a home insurance does not reimburse the content of the garage . Stuff such as cars, motorbikes or tools must be insured separately via a household insurance or vehicle insurance .

❌ What is not covered?

⛔ Stolen items from the garage - this falls under a household insurance.
⛔ Own damage due to poor maintenance - for example cracks in the walls due to overdue maintenance.
⛔ Damage due to illegal activities - for example, a fire due to storage of hazardous substances.

💡 Do you want to know which coverage best suits your situation? Request a quote from Finass insures .

3. What if your garage box falls under your home insurance?

In some cases, a separate garage is insured on your home insurance for your home. This usually applies if the garage box is on the same plot when your house is.

Check the policy conditions for:

✔ Or outbuildings (such as a garage) are included.
✔ Whether there is a maximum distance between your home and garage.
✔ Whether there are limitations for rented garage boxes .

📌 Note: Is the garage box in a different location than your home? Then a separate home insurance is required .

4. How do you choose the best garage box insurance?

Not all insurance policies offer the same coverage. Note the following points:

✔ 1. Check whether your garage falls under your home policy

Some home insurance policies cover individual garages if they are on the same plot as your home. Is your garage somewhere else? Then a separate insurance required.

✔ 2. Choose the correct coverage for storm and fire damage

Garage boxes run an additional risk of storm and fire damage, especially if they detached . Make sure your insurance covers this damage in full.

✔ 3. Think of extra coverage for burglary and vandalism

Garage boxes are often targets for burglars. Choose an insurance policy that also covers burglary damage to the garage itself

✔ 4. Check the new value or rebuilding value coverage

In the event of damage, your garage will be reimbursed on the basis of the rebuilding value . Make sure that this value is realistic and not too low.

💡 TIP: Insurers sometimes offer a premium discount if your garage is equipped with good security, such as a certified lock or alarm system.

5. What does a home insurance cost for a garage box?

The premium of a home insurance for a garage box depends on various factors:

📌 The value of the garage box - the more expensive the garage, the higher the premium.
📌 The location - burglar -sensitive areas often have higher premiums.
📌 Discount level - Extra coverage for burglary and vandalism can increase the premium.
📌 Own risk - a higher deductible lowers the premium.

💰 Indication of the costs:
🔹 Loose garage box - from € 5 to € 15 per month .
🔹 Garagebox as part of home insurance - often included, without extra premium.
🔹 Garage box in a VvE -usually covered by the VVE-Opstal insurance.

💡 Do you want to know what an insurance policy costs for your garage box? Request a free quote from Finass insures .

6. Frequently asked questions about GarageBox Insurance

💬 Is a garage box compulsory insured through my home?
Only if the garage on the same plot as your home. Otherwise, separate insurance is required.

💬 Does a home insurance also cover the items in my garage box?
No, the home insurance only covers the building itself . Do you want to insure tools, a motorcycle or other items? Then you need a household insurance .

💬 What if my garage box is vacant?
Some insurers limit coverage in the event of long -term vacancy. This can affect the compensation in the event of damage.

💬 Can I insure my garage box with my VVE?
If your garage is part of a VvE, it can fall under the joint home insurance. Request this from the VvE manager.

💬 Is damage caused by storm or fire always covered?
Yes, but some insurers use an increased deductible for storm and fire damage.

7. How do you take out home insurance for your garage box?

Do you want to be sure that your garage box is well insured? Follow these steps:

1️⃣ Check whether your garage is already co-insured with your home or VVE-Opstal insurance.
2️⃣ Compare coverings and premiums from different insurers.
3️⃣ Select an insurance policy with the correct coverage for fire, storm and burglary damage.
4️⃣ Request a quote from Finass insure for a customized policy.
5️⃣ Take out the insurance and enjoy optimum protection!

💡 Do you want to optimally protect your garage box? Request a quote from Finass insures and discover the best insurance for your situation! 🚀

Storage insurance for your garage box: is it mandatory and what does it cover?

A garage box is a valuable possession, whether you use it for your car, motorcycle, tools or storage of other precious items. But what if your garage rises fire damage , storm damage occurs or burglary takes place ?

a home insurance for a garage box against unforeseen damage and financial risks. But is it mandatory? What exactly does it cover? And how do you choose the right insurance? In this blog we answer all these questions and help you make the best choice.

1. Is a home insurance for a garage box mandatory?

A building insurance for a garage box is in some cases mandatory and in other cases voluntary , depending on the ownership situation:

✔ With a garage box owned - a home insurance is not required by law , but highly recommended to cover damage.
✔ Garage box with mortgage - banks often demand that you take out home insurance if you have financed the garage box.
✔ Garagebox As part of a VvE - The Owners' Association (VVE) can have a joint home insurance that covers the garage box.
✔ Garage box as a separate unit (for example on a business park) - in this case a separate home insurance is needed , because a VvE is usually missing.

💡 Do you doubt whether your garage is already insured? Check the policy of your home insurance policy or inquire at the VvE.

2. What does a home insurance cover for a garage box?

A home insurance covers damage to the garage box itself, but not the items in it. The exact coverage differs per insurer, but usually the following risks are covered:

✅ What is covered?

🔹 fire damage- coverage in the event of fire, smoke and extinguishing damage.
🔹 Storm and weather damage- In the event of damage caused by storm, lightning and hail.
🔹 Water damage - leakage due to rain or jumped pipes.
🔹 Burglary and vandalism - Damage to the garage itself due to a burglary attempt.
🔹 Collision damage - if someone accidentally hit your garage.

📌 Please note: a home insurance does not reimburse the content of the garage . Stuff such as cars, motorbikes or tools must be insured separately via a household insurance or vehicle insurance .

❌ What is not covered?

⛔ Stolen items from the garage - this falls under a household insurance.
⛔ Own damage due to poor maintenance - for example cracks in the walls due to overdue maintenance.
⛔ Damage due to illegal activities - for example, a fire due to storage of hazardous substances.

💡 Do you want to know which coverage best suits your situation? Request a quote from Finass insures .

3. How do you choose the best building insurance for a garage box?

Not every home insurance offers the same coverage for a garage box. Here are a few important points of attention:

✔ 1. Check whether your garage falls under your home policy

Some home insurance policies cover individual garages if they are on the same plot as your home. Is your garage somewhere else? Then a separate insurance required.

✔ 2. Choose the correct coverage for storm and fire damage

Garage boxes run an additional risk of storm and fire damage, especially if they detached . Make sure your insurance covers this damage in full.

✔ 3. Think of extra coverage for burglary and vandalism

Garage boxes are often targets for burglars. Choose an insurance policy that also covers burglary damage to the garage itself

✔ 4. Check the new value or rebuilding value coverage

In the event of damage, your garage will be reimbursed on the basis of the rebuilding value . Make sure that this value is realistic and not too low.

💡 TIP: Insurers sometimes offer a premium discount if your garage is equipped with good security, such as a certified lock or alarm system.

4. What does a building insurance cost for a garage box?

The premium of a home insurance for a garage box depends on various factors:

📌 The value of the garage box - the more expensive the garage, the higher the premium.
📌 The location - burglar -sensitive areas often have higher premiums.
📌 Discount level - Extra coverage for burglary and vandalism can increase the premium.
📌 Own risk - a higher deductible lowers the premium.

💰 Indication of the costs:
🔹 Loose garage box - from € 5 to € 15 per month .
🔹 Garagebox as part of home insurance - often included, without extra premium.
🔹 Garage box in a VvE -usually covered by the VVE-Opstal insurance.

💡 Do you want to know what an insurance policy costs for your garage box? Request a free quote from Finass insures .

5. Frequently asked questions about building insurance for garage boxes

💬 Is my garage box insured through my home insurance?
Sometimes, but only if the garage is on the same plot as your home. Check this in your policy conditions.

💬 Does a home insurance also cover the items in my garage box?
No, the home insurance only covers the building itself . Do you want to insure tools, a motorcycle or other items? Then you need a household insurance .

💬 What if my garage box is vacant?
Some insurers limit coverage in the event of long -term vacancy. This can affect the compensation in the event of damage.

💬 Can I insure my garage box with my VVE?
If your garage is part of a VvE, it can fall under the joint home insurance. Request this from the VvE manager.

💬 Is damage caused by storm or fire always covered?
Yes, but some insurers use an increased deductible for storm and fire damage.

6. How do you take out home insurance for your garage box?

Do you want to be sure that your garage box is well insured? Follow these steps:

1️⃣ Check whether your garage is already co-insured with your home or VVE-Opstal insurance.
2️⃣ Compare coverings and premiums from different insurers.
3️⃣ Select an insurance policy with the correct coverage for fire, storm and burglary damage.
4️⃣ Request a quote from Finass insure for a customized policy.
5️⃣ Take out the insurance and enjoy optimum protection!

Conclusion: is a home insurance for a garage box mandatory and what does it cover?

A building insurance for a garage box is not required by law , but often necessary to limit financial risks in the event of damage. Fire damage, storm damage and burglary damage can entail high costs.

💡 Do you want to optimally protect your garage box? Request a quote from Finass insures and discover the best insurance for your situation! 🚀

Liability insurance for business premises and homes: How do you choose the best coverage?

Whether you rent out a home, own a business premises or manage several real estate objects , you always run the risk of liability claims. What if a tenant stumbles over a separate tile in your building ? Or if a roof tile of your building causes damage to a parked car ?

insurance for business premises and homes protects you against damage claims from third parties and prevents you from having a person or business for unexpected costs. In this blog you discover why this insurance is essential, what it covers and how you choose the right coverage .

1. Why is liability insurance needed for property owners?

As the owner of a home or business premises you are responsible for the state of the building and the safety of tenants, visitors and local residents. A small defect can have major financial consequences if someone is injured or property is damaged.

Common liability risks

✔ Personal injury - A tenant or visitor slides on a wet staircase and breaks one leg.
✔ Damage to third parties - a facing brick comes loose and damages an adjacent building.
✔ Fire damage to neighbors - A fire caused by defective wiring is spreading to other buildings.
✔ Damage due to overdue maintenance - a leak in your building causes water damage at an under neighbor.
✔ Architectural defects - a poorly maintained balcony collapses and causes injury.

📌 Without insurance, these damage claims can cost thousands to even hundreds of thousands of euros.

💡 Do you want to cover these risks? Then view the options for a real estate liability insurance .

2. What does liability insurance cover for real estate?

insurance for business premises and homes offers coverage for financial claims as a result of damage to third parties.

What is Reimbursed?

✅ Damage to third parties - for example if a passer -by is injured by falling debris of your building.
✅ Personal injury - If a tenant or visitor is injured by a dangerous situation in your building.
✅ Damage due to architectural defects - for example if a leak in your building causes damage to another building.
✅ Fire damage - If a fire in your building extends to adjacent buildings.
✅ Legal costs - coverage for legal assistance in the event of liability claims.

📌 Note: Damage that a tenant himself causes to your building does not under your liability insurance. This home insurance or landlord insurance .

3. For whom is liability insurance required for real estate?

Liability insurance is crucial for:

🏠 Private landlords - do you rent a home or apartment? Then you are liable for damage to third parties.
🏢 Business property owners - Office buildings, shops and business premises bring extra liability risks.
🏨 Investors and real estate investors - the more real estate you possess, the greater the risk of claims.
🏬 Owners' associations (VVEs) - A VvE can be held liable for damage caused by common parts of a building, such as stairwells and lifts.

Do you want to know if your real estate entails extra risks? Request advice without obligation from Finass insures .

4. How do you choose the best coverage for your real estate?

Not all liability insurance offers the same coverage. Pay attention to the following points when choosing the right insurance:

✔ 1. Premium and insured coverage

The costs of a liability insurance vary depending on:
📌 The type of real estate - home, office, store or warehouse.
📌 The number of buildings - the more real estate, the higher the premium.
📌 Coverage limit - Choose a sufficiently high coverage (at least € 1 million).

✔ 2. Cover for tenant liability

Some insurers offer extra coverage if a tenant suffers damage due to overdue maintenance or defects in the building.

✔ 3. Cover for vacancy or construction projects

Empty buildings or real estate in renovation entail additional risks. Choose insurance that also offers coverage with vacancy.

💡 Do you want a customized policy? Request a quote from Finass insures .

5. Frequently asked questions about liability at Vastgoed

💬 Is liability insurance required for landlords?
No, but many mortgage lenders do demand it. In addition, it is strongly recommended to cover financial risks.

💬 Does the insurance cover damage to my own building?
No, a liability insurance only covers damage to third parties . You need a home insurance policy .

💬 What if a tenant causes damage?
Damage by tenants falls under their own household or liability insurance, not under your liability insurance.

💬 How much does liability insurance cost for landlords?
The premium often starts from € 100 per year , depending on the type of building and the coverage.

6. How do you take out liability insurance for real estate?

Do you want to avoid financial risks? Follow these steps:

1️⃣ Determine your risks - look at the type of real estate and its use.
2️⃣ Compare coverings - choose an insurance policy that matches your situation.
3️⃣ Request a quote from Finass insure - our experts help you with a customized policy.
4️⃣ Take out the insurance and protect your real estate against financial claims!

Conclusion: Why liability insurance is indispensable for property owners

As a property owner you run legal and financial risks . A liability insurance protects you against high damage claims and ensures that your real estate is not at risk due to unforeseen costs.

💡 Do you want to optimally protect your real estate? Request a quote from Finass and make sure you are fully covered! 🚀