Why co-insure the foundation with a home insurance policy?
The foundation is the foundation of your home. If the foundation becomes damaged or cracks, it must be repaired. Sometimes the foundation is even completely unusable and must be replaced. The cost of this can be high. To be insured for this, you can include the foundation in your home insurance policy.
Is the foundation included as standard with a building insurance policy?
With some insurers, the foundation is included as standard in a building insurance policy. However, this is not the case with all insurers. It is therefore wise to check the policy conditions of your insurer carefully to know whether the foundation should be separately insured. When you see damage to your home, you probably don't think much about the foundation. Unfortunately, the foundation can also be damaged, for example by a fire or explosion. By insuring the foundation along with your home insurance policy, you ensure that you are spared the sky-high costs of repairing or replacing the foundation.
Foundation not included in reconstruction value meter
Property insurance takes into account the rebuild value of your home. The rebuild value is the amount of money needed to rebuild your home in exactly the same way. To determine the rebuilding value of your home, you can use the rebuilding value meter. However, the foundation is not included in the rebuild value meter. Should the foundation be damaged, a new foundation will have to be made when rebuilding the home. Most building insurance policies allow you to insure the foundation, for a certain additional premium.
Get property insurance through Alpina
If you take out building insurance for your home, you can choose whether you want to include the foundation in the insurance. In our online calculation module you can already calculate an indication of the monthly premium. At Alpina, we not only have the best coverages, but also the most competitive premiums. So you can be sure that you never pay too much for your home insurance.
Our insurance specialists will be happy to give you advice if you need it. You can reach us Monday through Friday from 8 a.m. to 6 p.m. by phone at 088 - 6883700. You may also send us a message at any time via chat, WhatsApp or Messenger. We have already collected the most frequently asked questions about home insurance for you, who knows, maybe your question is already among them!
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