Do I need valuables insurance?

Valuables insurance coverage

You can also additionally insure your valuables with contents insurance. However, the coverage is often limited and not all damage is compensated. With a valuables insurance you are assured of more extensive coverage than the contents insurance. You can see the valuables insurance as an additional coverage to your contents insurance.
For example, in most cases you are also insured against damage or theft outside the home. However, this often requires that you are not at fault and a maximum amount applies.

Typically, with valuables insurance, you are insured against:

• Loss
• Theft
• Damage
• Destruction

Not covered with valuation insurance

With valuables insurance, you are well insured for your valuables, but insurers also have some exclusions such as:

• Damage due to own defect
• Intentional damage
• Damage during rental
• Damage during wear and tear
• Damage caused by cleaning, processing or repair
• Damage caused, for example, by a flood, acts of war, earthquake or atomic nuclear reaction
• Theft from unlocked area without signs of forced entry

Please note that the coverage of the costliness insurance may vary from one insurer to another. Therefore, always carefully check the terms and conditions on your policy.

Getting Costliness Insurance

When taking out valuation insurance, you need to know the value of your valuables. It is important that you get a good and complete valuation report. Many insurers appraise valuables themselves based on purchase receipts and statements from jewelers. But you can also hire a licensed appraiser yourself. Check regularly whether the valuables listed on your policy are still correct. This way you can avoid unpleasant surprises in case of damage or theft and you will always be optimally insured. Good to know: valuables insurance can only be taken out in combination with home contents insurance.

Concurrence of insurance with costliness insurance?

Valuables are also covered in part by contents insurance. In the event of damage, such as fire, there may therefore be a concurrence of insurances. This means that the damage is covered by more than one insurance policy. In this case by your contents insurance and valuables insurance. Insurers have agreed that in such situations the specific insurance goes before the general insurance. In the first instance, therefore, the damage is covered by your valuables insurance.

Compare contents insurance

At Alpina.nl , you can quickly and easily compare household insurance policies by filling in a few questions. The calculation module does the rest for you. You can also view the policy values and compare them if you wish. There are a few things to keep in mind while comparing.

On our website, all options are clearly listed for you. Have you found a suitable home contents insurance? Then you can choose to take out a policy immediately. If you would like to make an application, please mention any particularities so that we can submit the application directly to the appropriate insurer.

You can also compare and take out other home insurance policies, such as buildings insurance or liability insurance, at Alpina.nl Requesting a free quote is also possible. You will quickly receive an e-mail.