How is the premium calculated?
You want good contents insurance to safeguard your possessions. Think about your furniture, clothing and home accessories. The value of your contents quickly adds up. The differences in premiums for contents insurance are sometimes large. The amount of the premium is determined by several factors. Below we explain how the premium of your household contents insurance is calculated.
Calculate premium contents insurance
Differences in premiums can be large. How contents insurance premiums are calculated depends on a number of factors:
- Value of your contents, the higher the amount, the higher the premium. Read more about calculating the value of your contents here .
- Type of coverage. The more risks to be covered, the higher the premium.
- Nature of construction: The material of the home and roof affects the premium. A home made entirely of wood is more likely to have fire damage than one made of stone.
- Home location: Statistically, the likelihood of damage is higher in Amsterdam than in rural Groningen. The higher the risk of burglary, the higher the premium.
- Excess level: Most insurers apply a deductible . This means that damage is only covered once it exceeds the deductible. The higher the deductible, the lower the premium and vice versa.
- BORG certificate: If your home is properly secured against burglary, you can often get a discount on your premium. To do so, you must submit a valid BORG certificate or the police mark of 'safe living'.
Pay contents insurance premium per month or six months?
The premium for contents insurance is usually paid monthly and by direct debit. With most insurers, you can also indicate that you wish to pay the premium quarterly, semi-annually or annually.
Taking out household contents insurance? Calculate your premium!
Compare premium contents insurance
Comparing household insurance policies yourself is not always easy. Each insurer has its own policy conditions. To make a good comparison, policies should also be comparable in content and coverage. A low premium is not automatically a bad coverage and a high premium is not automatically the best coverage. At Alpina, we are happy to help you compare your contents insurance. You can easily compare contents insurance premiums yourself. You can also contact our staff by phone or live chat to do so.
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