Does home insurance apply per person or per household?
Home contents insurance is not mandatory, but it is incredibly useful. Do you want your belongings in your home covered against damage? Then household contents insurance is the insurance you need. You insure all the things that are loose in your house. Think for example of your furniture.
But do you take out contents insurance purely for yourself or for the entire household? Consider here, for example, a student house. You have your own room here, but there is a partial household. What is then insured with contents insurance? And is this different if you live in the house with your family? In this blog, Alpina explains it for you.
When do you take out per-person household insurance?
You've managed to get a room in a dorm. Living on your own is a big responsibility. After all, you now have to look after your belongings yourself. Renting is expensive enough on its own. You don't have to add to that the cost of broken things. Replacing a broken laptop or a broken bed can quickly add up to a few thousand euros.
To protect Yourself from such costs, you can purchase contents insurance. The only question is whether the insurance applies to the entire dorm or just to you. Most insurers will take out personal insurance in such a case. After all, you have your own room in which you stay. Taking out personal insurance also reduces the insurer's risk. They can take out more insurance policies this way, which means fewer items are insured under one policy.
For further coverage of the property, the landlord takes out buildings insurance. So you do not have to do this yourself when renting a room. As for the things in the common areas, the landlord can take out contents insurance or the main tenant of the house.
Taking out household contents insurance? Calculate your premium!
When do you purchase contents insurance for your entire household?
You live with your entire family in the same house. Then household contents insurance is also useful to have. In that case, insurers often cover the entire contents of you and your family. It doesn't matter who in the family causes the damage. This is because they are all insured against damage. Also, it hardly matters which items suffer damage. Unless there are exceptions in the policy. These exceptions tend to cover cell phones, because they pose a high risk to the insurer. You can, however, top up cell phones with additional insurance.
However, it is important that everyone is registered at the same address. If someone is not registered at the same address, that person is also not insured. Unless you have an insurance policy that also covers the damage, which your guests have done.
Finally, it's useful to know that your children are co-insured in the basic policy until the age of 18. After this you will have to take out additional or separate household insurance for them.
Get your contents insurance through Alpina: simple and affordable
Are you considering taking out household contents insurance per person or for your entire household? Then take it out now through Alpina! Thanks to our years of experience, we can offer you the best insurance. Do you have any doubts or questions about our household insurance? Feel free to contact our customer service. They are ready to answer all your questions.
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