How can I calculate the premium for contents insurance?

How is the value of contents calculated?

When you go to purchase contents insurance, you need to calculate the value of your contents. This is because the premium of your contents insurance depends on the value of your contents. Also the maximum paid out amount in case of damage depends on your household contents value. The contents value is the new value of all your belongings in the house. It is therefore important that you provide an accurate value of your household contents. The higher the home contents value, the higher the premium. However, if the value of your household contents is too low and you suffer damage due to fire or theft, for example, you run the risk of having to pay for the damage. Then you run the risk that your damage will not be fully covered.

To calculate the overall value of your household contents, you can use the household contents value meter. Often it also provides a guarantee against underinsurance for a certain period, usually five years. This prevents you from having to make a notification to the insurer with every purchase to be appropriately insured.

Can I easily compare household insurance policies?

There are many insurers offering household contents insurance. Not all of these products are the same in terms of coverage. A higher premium therefore does not necessarily mean a better product for you. In addition, a relatively low premium may appeal to you, but there may be a relatively high deductible. It depends on your personal and financial situation which coverage is most appropriate for you.

Insurers exclude certain things from coverage, it is good to compare this as well. Here, you can think of damage caused by intentional/ gross negligence. Other causes of damage may also be excluded. This can be found in the terms and conditions and any clauses of the insurance policy. Exclusions can also affect the amount of premium offered.

Before purchasing insurance, inform yourself well about the above topics and think about what your needs are in advance. You can then more easily compare different providers and make the right choice.

Contents insurance coverage

When choosing household contents insurance, you can choose from a variety of coverages. This coverage always depends on your personal situation. Do you own art, antiques or have expensive photographic or audio equipment? Then you can insure your valuables additionally. For compensation for damage outside the door, you can choose coverage outside the home. The most comprehensive coverage is the all-risk contents insurance. This coverage also covers damage you have caused yourself.

How can I apply for contents insurance?

Through our website you can easily purchase contents insurance. You can also contact our staff by phone for this.

Intermediate adjustment of contents insurance premium

Does something change in your family composition or are you moving? The premium may change. With any major change in your life, it is therefore a good idea to take another look at your insurance policies and compare them.

What if there are specifics?

Should you actually wish to make an application, please mention any specifics (e.g., insurance cancelled by the insurer in the past, CIS registration, etc.) so that we can submit the application directly to the appropriate insurer for you. Most insurers usually do not have options for you in the case of such specifics.

We can request a no-obligation quote for your household contents (and other insurances) from De Vereende. This insurer has a broader acceptance policy and in principle accepts everyone, even in case of non-payment in the past. A condition is that you pay the first 3 months in advance. You can only take out insurance with De Vereende through an intermediary.

For a free quote, please contact us by phone. It is not currently possible to request this quote online.