Do you need contents insurance when living anti-squatting?
In order to clarify what anti-squatting insurance is, we will first explain what anti-squatting means.
What is anti-squatting?
Anti-squatting living is also called "squatting. Basically, this means that you live in an empty building so that squatters cannot occupy the property. With anti-squatting living, however, you do not enter into a rental agreement, but a loan contract.
Because you don't sign a lease, you don't enjoy the same protections that tenants do. For example, you are never sure for how long you can stay in the property. Has the landlord found a tenant for the property? Then you may receive a letter summoning you to leave the property within two weeks.
Are you thinking about living anti-squatting? Then keep in mind the above.
What is an anti-squatting contents insurance?
A household contents insurance antikraak is basically the same as many other household insurance policies. But what then is contents insurance? Contents insurance is an insurance policy that insures all your loose belongings in the house. This means that everything that is not attached to the property is insured. Are you moving and can you take your belongings with you without too much trouble? Then it falls under the contents insurance. This could be your couch or bed, for example. But also the baseboards, if you can take them out that way.
Do you also want to insure items that do attach to the property? Then choose building insurance. This insures everything attached to the building. By taking out both insurances, you have insured almost all your belongings in your home.
Taking out household contents insurance? Calculate your premium!
What should you consider?
Some insurers are still hesitant when it comes to insuring an anti-squatting property. This is because they are never sure for how long you will need the insurance. You can be evicted at any time. Therefore, if you want to take out or cancel insurance for a short period of time, it can cost the insurer money. The premium is therefore often higher than when you are not staying in an anti-squatting house.
Another factor is that anti-squatting is often regarded as unsafe. The insurer sees anti-squatting as a risk. The insurer assumes that damage is more likely to occur during anti-squatting. This also increases the premium.
However, in principle, the premium is calculated at the address you indicate you live at. This first determines the amount of your premium. Depending on the further information you provide, the final amount of the premium will be calculated. As mentioned before, if you indicate your living situation as anti-squatting, the premium is likely to go up slightly.
How do you get the best premium?
Compare premiums at different insurers. This will give you a more complete picture of what insurers offer. Look carefully at the terms and conditions for each insurance policy and always mention that you live anti-squatting. Do you not? Then it is possible that your insurer will not pay out if something happens. This is because you have not provided the insurer with the correct information.
The lowest possible premium is not always the best solution. In fact, cheap insurance may also cover fewer types of claims. You do well to pay close attention to this.
Take out your contents insurance anti-squatting through Alpina: simple and affordable
Are you considering getting contents insurance anti-squatting? Then take it out now through Alpina! Thanks to our years of experience, we can offer you the best insurance. Do you have any doubts or questions about our home contents insurance? Feel free to contact our customer service. They are ready to answer all your questions.
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