Does contents insurance also cover the cost of a burglary?
After a well-deserved vacation, your plane lands at Schiphol again. Vacations always do you good, even though you actually enjoy going home again. You grab your suitcase from the treadmill and head for the parking lot. Fortunately, the car is still there, exactly as you left it without any damage.
Once you arrive home, you feel the rested and calm feeling flowing right out of your body. 'I closed the window when you left, didn't I?' You still think to yourself. You hurriedly open your front door and once inside, your fears become reality. Your television, radio and coffee maker are all gone.
Fortunately, you have taken out contents insurance. But does this insurance also cover the costs in case of burglary? And if it does cover something, what exactly? Alpina explains it all for you in this blog.
What does contents insurance cover after burglary?
Basically, contents insurance covers anything loose in your home. Insurers also use the standard that "anything that can easily be taken with the move" is covered under contents insurance. Your kitchen is usually not covered by this, but your coffee maker is. Items such as TVs, stereo sets and furniture are always covered by contents insurance. Your built-in cupboard, on the other hand, is not covered by contents insurance.
Taking out household contents insurance? Calculate your premium!
Theft is often covered by standard contents insurance. Are your belongings stolen or did they suffer damage during the burglary? Then you are often insured for this with your contents insurance.
However, have you suffered damage to doors, window frames, built-in furniture, windows or your kitchen? Then this damage is not covered by contents insurance, but by building insurance. This covers all damage to your home. This also includes things that are attached to your house for a long time, such as your kitchen.
The cost of contents insurance burglary
The amount of your premium is calculated based on a number of factors. We explain more below about the factors that go into calculating the premium, among others.
Habitat
Where you live matters to the amount of your premium. After all, do you live in a busy city? Then your premium will be higher than if you live in a small village. There is more risk that something happens to your belongings. Especially burglary and theft play a role in this.
Value
The other factor is the value of your contents. The higher the value of your belongings, the higher your premium will be. Therefore, you can insure your contents up to a certain amount. So you can choose the amount of premium you want to insure your household contents. This way you can directly influence the amount of your premium.
Want to easily find out what the amount of your premium will be? Then calculate it easily with Alpina's handy online tool.
Take out your burglary contents insurance through Alpina: simple and affordable
Are you considering burglary contents insurance? Then take it out now through Alpina! We offer the most complete coverage against burglary and theft. Always at the most competitive premiums. Do you have any doubts or questions about our home contents insurance? Feel free to contact our customer service. They are only too happy to answer all your questions.
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