What is out-of-home coverage?
With outdoor coverage, your belongings can be insured outside the house against unexpected and sudden damage and theft. This coverage is for items that are actually meant to be used outside, such as a video camera, sports equipment, a camera, a tablet, for example.
Is out-of-home coverage standard on my contents insurance?
Sometimes this coverage is included as standard with contents insurance. However, as more and more portable electronic items are sold, we see that insurers are increasingly offering this as an additional option. So then this coverage can only be insured at an additional premium.
Exclusions may always apply, so it is always a good idea to read the terms and clauses carefully when comparing insurance policies. Cell phones, for example, may be excluded. In addition, the coverage area is important: does the coverage apply only to the Netherlands or worldwide? All this kind of information can be found in the terms and conditions.
Taking out household contents insurance? Calculate your premium!
What about theft from my car?
Not all insurers offer coverage for theft from the car under out-of-home coverage. If they do, a higher deductible usually applies. Break-in must also be demonstrable. This can be read in the terms and conditions of the relevant insurance. Of course, our staff can also inform you about this.
How can I calculate and compare the premium for contents insurance?
Through our website you can easily calculate the premium of a household insurance. You can also contact our staff by phone for this purpose.
Keep in mind that we need information about your home and contents and that you have it ready. You can also compare and take out your other home insurance policies, such as buildings insurance and liability insurance, via alpina.nl
How can I apply for contents insurance?
Atalpina.nl you can easily apply for contents insurance yourself. You can also contact our staff by phone for this purpose.
Should you actually want to apply for contents insurance, always mention any particularities (for example, insurance cancelled by the insurer in the past, CIS registration, etc.) so that we can submit the application directly to the appropriate insurer for you. With such peculiarities, most insurers have no way of insuring you. However, in that case, we can request a no-obligation quote for your household contents (and other insurance) from De Vereende. This insurer has a broader acceptance policy and in principle accepts everyone, even in case of non-payment in the past. A condition is that you pay the first 3 months in advance. You can only take out insurance with De Vereende through an intermediary.
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