What is covered by contents insurance?

What types of coverages are there?

With contents insurance, you will often come across the following coverages: comprehensive, extra comprehensive and most comprehensive. The latter is also called all-risk coverage. The extra comprehensive and most comprehensive coverage are the most common. The basic coverage is often:

• Water damage
• Fire damage
• Theft damage
• Damage to valuables

Are there additional coverages available with contents insurance?

Often insurers offer the option of insuring certain portable items (camera, for example) outside the home. This is called outdoor coverage.

Also, most insurers today have the option of insuring smartphones and tablets. This is because damage to these items is often not covered under contents coverage. Previously, there was often coverage for this, but due to the many claims involving tablets and smartphones, this has become a separate coverage.

Contents insurance and moving

Are you moving soon or are you orienting yourself to another home? Do you know about contents insurance during a move? When moving your belongings during a move, your belongings may get damaged or even broken. Your contents insurance coverage during a move may vary from one insurer to another. It may be that your contents insurance has only limited coverage during a move. Check your policy conditions well in advance of your move.

What is never covered?

Damage that was foreseeable is never covered on any insurance policy. You can think of damage due to overdue maintenance, for example. Damage caused by intent is also not covered.

Contents insurance also often does not cover damage caused by earthquakes, floods, violence and nuclear reactions. For these, the government often calls a certain fund.

Difference between third-party insurance and contents insurance

What exactly is the difference between third-party/liability insurance and contents insurance? Contents insurance covers damage to your own belongings. With third-party liability insurance, damage caused by others is covered.

What should I pay attention to when purchasing contents insurance?

The terms and conditions of the insurance policy always describe what is and is not covered and under what conditions. There is often information about this on the policy as well. Always read the policy and policy conditions carefully, before taking out the insurance, but also after receiving the policy. Especially since there are different forms of coverage and different exclusions may apply. This way you know where you stand and will not be faced with any surprises afterwards.

Of course, we can also give you further information about this over the phone. You can contact our staff member at telephone number 030-6883700. We can be reached by phone between 08.00 and 18.00.

Also read:

Does contents insurance cover a broken washing machine