How can I purchase building insurance?
At Alpina, you can easily calculate the premium for building insurance through our website and take out the insurance directly. If you prefer to take out insurance over the phone, that is certainly also possible. You can contact us by phone on weekdays between 8:00 and 18:00.
Take out building insurance
Home building insurance is also called home insurance. Do you want a good and cheap home insurance? Building insurance is usually determined by the rebuilding value. The reinstatement value is the amount needed to rebuild your home, in the same place and manner. The rebuild value is lower than the value you bought the home for. This is because you do not need to insure the site and land, because they are not lost in a fire.
The rebuild value meter is often used when purchasing home insurance. The reconstruction value is determined based on the type of home, the contents of the home and the finish of the home, among other factors.
What is underinsured?
If you are underinsured, you will never be paid the full amount in the event of a claim.
Underinsurance means that the amount you are insured for is too low. The claim will be paid pro rata. The amount of compensation depends on the insured amount compared to the rebuilding value of the house.
Suppose you have building insurance for €150,000 and the reinstatement value is €300,000, then you are insured for 50% of the reinstatement value. In case of damage, you will only be compensated 50% of the claim amount, regardless of the damage amount.
You can prevent underinsurance of your building by accurately determining the reinstatement value using the reinstatement value meter. It is advisable not only to use the reinstatement value meter when taking out a building insurance, but to fill out the reinstatement value meter every 5 years. This is to maintain the guarantee against underinsurance. If you move, you will also be asked to do so.
How is the premium determined?
Material and moral hazard factors are weighed in determining the premium. The insurer looks at the building type, age and state of repair of the home. It also considers the region and the buildings near your home. For example, if you live next to a café or gas station, that could mean you pay more premium.
Different coverages
When purchasing a home insurance policy, you can continue to choose from 4 types of coverage:
- Fire coverage. This is the most limited insurance.
- Extended variety coverage (UGV).
- Extended variety coverage plus (UGV+).
- All-risk coverage. This is the most complete variety coverage.
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