What do I need to know about fire insurance for my home?
You are exploring fire insurance options for your home. There are many insurers in this field, often all with different premiums and terms as well.
Fire or soot and smoke can damage your home itself, but so can the belongings in your home. To insure yourself for fire damage to the house, you can take out buildings insurance. To insure you for fire damage to your contents, you can purchase contents insurance.
It is not possible to purchase separate fire insurance for your home or contents. It is often part of home and contents insurance. These policies provide coverage for more types of damage causes than fire damage alone.
Is fire insurance required for my home?
Fire insurance is not required by law, neither for contents nor for buildings. However, it is wise to take out fire insurance for the building and contents. Just think how big the damage will be if a fire breaks out and you have to rebuild the house yourself and buy all your stuff again. This is financially prohibitive in most cases.
Often your mortgage lender will at least make it a condition that you insure the home (i.e., the building structure) when you have a mortgage for this house. Otherwise, both the mortgage lender and you would have a big problem in the event of a fire.
Taking out household contents insurance? Calculate your premium!
What does fire insurance cost for my home?
Fire insurance premiums depend on a number of factors. You should consider:
- address of the property
- type and size of house
- type of roofing
- year of construction of the house
- the coverage you want
As you can imagine, these many factors make it impossible to quote an average premium for fire insurance. It depends entirely on your living situation and wishes. Through our website you can easily (by entering the above data, among others) make a calculation for the insurance of contents and buildings.
What should I do if I move, rent out my house or my house becomes vacant?
Such changes in your situation should always be reported to the insurer immediately. This is because these can cause a change in the risk. So the insurer always wants to know these things in time.
If your insurance is through Alpina, you can report these changes to us. This can be done via the website or by phone. We will then ensure that the necessary information reaches your insurer, so that we can inform you of the consequences.
What can I do myself to prevent fire damage?
Prevention is better than cure. Therefore, it is wise to install smoke detectors in your home and have a fire blanket/fire extinguisher.
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here today until 6 p.m.