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Home Building insurance What is

What is buildings insurance?

Property insurance is probably one of the most important insurance policies to purchase when you own a home.

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All about building insurance

Property insurance is probably one of the most important insurance policies to purchase when you own a home. Imagine your home burns down completely. What now? You are without a home and do not have the financial resources to rebuild it. For this reason, among others, you would be wise to take out buildings insurance.

This is because this insurance covers the rebuilding value when damage occurs to your home; including fire damage (if not your fault) damage from storms or flooding, for example. Since damage from such events can be extensive, building insurance is considered a "wise investment.

Taking out building insurance as a VVE

Do you live in an apartment complex? Then you probably have to deal with an Owners' Association (VVE). This association takes care of the maintenance of the building, for example. Each resident has to release a certain amount of money for this.

Often the VVE also arranges the building insurance for the apartments. Everyone is then insured for the same basic amount. You do not have to arrange this yourself. If you need more insurance, you can have the remaining amount insured yourself (the additional building insurance).

Cheaper with VVE

Building insurance through the VVE can be cheaper than buying individual insurance yourself. This is because insurers often give discounts for group insurance.

Apartment clause

You would do well to always have an apartment clause included in your policy. This clause ensures that compensation will be paid even if the damage is caused by another resident. Does a fire start in the apartment next door due to the resident's own fault? Then you need an apartment clause to be covered for this damage.

Frequently asked questions about building insurance

Getting buildings insurance for your commercial property a good idea?

Do you own your own commercial property? Then it is definitely a good idea to take out building insurance. After all, depending on your activities, anything can happen to your premises. For example, damage can occur due to defects in machines that are there. Damage can also occur due to external influences. Consider, for example, storm damage that causes your roof to break or walls to be damaged. As a rule, these are not minor damages....

Don't want to be responsible for these costs yourself/as a company? Then take out buildings insurance for your business premises as well.

What is buildings insurance in English?

Home insurance is also known as 'home insurance' in English . Which literally translated means '(t)house insurance'. An insurance for your house. This is literally what home insurance is, because it covers damage (in certain cases) to your home.

Why is it good to know the English translation of buildings insurance?

Perhaps you are going to live abroad or have a vacation home there. Then it can always come in handy to know the English translation of buildings insurance. To be on the safe side, you want to be insured abroad. You will often have to deal with foreign insurers. Do you not speak the original language of the country? Then you can probably manage just fine in English.

In fact, often insurers have an English option to purchase insurance, when needed. If you then indicate that you want "home insurance," the insurer will know right away what you are talking about. This way you avoid confusion about which insurance you want to take out.

What is the cost of condo building insurance?

The cost of building insurance for your apartment usually does not have to be particularly high. Often the premium starts from just a few euros. Of course, this does depend on the price of your apartment. The more your apartment is worth, the higher the premium will be.Are you having a new kitchen installed or getting a new bathroom? Then always report this to your insurer. It may be that your premium will be increased. After all, the value of your apartment increases.

Other factors may also come into play when calculating the amount of your premium. Consider the location of your apartment and your living situation.

Take out your home insurance with Alpina: simple and affordable

Do you own your own home? Or perhaps your own business premises? Then take out building insurance with Alpina. With building insurance from Alpina, you are always covered as completely as possible for the best premium. Do you have any questions about our building insurance? Then please feel free to contact our customer service. We are ready to answer all your questions.