Is the building insured in a rented house?
As the owner of a home, you are responsible for purchasing buildings insurance. Even if you rent out your home. Building insurance covers damage to your home and the real estate belonging to it (things that are not movable or earth- and nailproof). Think for example of a built-in kitchen and an attached shed or fence. Often there are a number of conditions to taking out buildings insurance for a rented house. We explain them to you.
Rented accommodation insurance
When you buy a home with a mortgage, the bank requires you to take out buildings insurance for the home. That way they can be sure you can still pay the mortgage if your house burns down, for example. However, even if you have a home without a mortgage, it is wise to take out buildings insurance. With building insurance, your home is insured against damage from such things as fire, storm, burglary and vandalism. Even if you own a home and rent it out, you are responsible for insuring it. After all, as a landlord, you are liable for the home. Taking out buildings insurance for a rented house is the same as for your own house, with the difference that you inform the insurer that you rent out the house.
Conditions for insuring a rented property
Each insurer sets its own conditions for taking out a buildings insurance policy. Therefore, before you purchase a homeowners insurance policy, it is important to know whether you and your home meet these conditions. In fact, some things may be excluded from coverage when it comes to a rental property. Some insurers allow you to rent out a rental property only temporarily, for a maximum number of days. Also, an insurer will look at whether you rent out the entire property, or just a few rooms. It is also important to whom you rent the house. Most insurers accept a couple or a family as tenants, but a group of students, for example, is often excluded from coverage. Also a combination of several groups is not always accepted. Always check this in the policy conditions. Sometimes an insurer will accept certain items, but at a higher premium.
Take out building insurance directly through Alpina
Looking for buildings insurance for your rental property? Use our handy online comparer to see which buildings insurance is best for your property. After entering some information about the house, you will get a handy overview of all providers, including their premiums and conditions. Look through the terms and conditions carefully before making your choice, so that you know for sure how you are insured and which items are excluded from coverage. Once you have found the right home insurance you can take out a policy online.
Want to know more about building insurance or do you still have questions? Then be sure to contact us. We can be reached Monday to Friday from 8 a.m. to 6 p.m. at 030 - 688 37 00. You can also send us your question anytime via chat, WhatsApp or Messenger.
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