Is it necessary to purchase contents insurance?
Is household contents insurance necessary? Many people wonder whether it is better to take out household contents insurance, or instead choose to save on it. In this article, we want to give you more information about this. For example, what exactly is contents insurance? What are the approximate costs and what are the advantages?
What is contents insurance?
Are you taking out contents insurance? Then you are covering your household contents against certain types of damage. The coverage may vary from one provider to another (always check the policy terms and conditions). As a rule, you can count at least on Coverage against the following types of damage:
- Fire damage
- Lightning damage
- Water damage
- Theft (damage in the form of losing your belongings)
- Damage caused by vandalism
Does your home burn down? Then in most cases you can get compensation for the contents through the contents insurance. Obviously, you should not be at fault.
Important: Contents insurance only covers movable items in your home. A television, for example, is covered by contents insurance; a built-in dishwasher is not. For this, for example, a building insurance policy would again provide a solution.
The cost of contents insurance
The premium you pay for contents insurance will vary from case to case. It depends, among other things, on the size of your home, and whether you have a thatched roof, for example. In some cases, the premium also depends on income. A logical thought in this is that people with high incomes may have more expensive items than those with low incomes. And while this may not always be the case: insurers rely on general statistics when assessing risk.
Be that as it may, the premium for contents insurance is generally not very high. You can often manage to get coverage from as little as a few dollars.
What are the benefits of contents insurance?
First of all, household contents insurance brings peace of mind. You pay a relatively low premium, and know that damage is covered to all your (detached) belongings within the home. Building on that, an advantage is that with contents insurance, the premium is virtually disproportionate to what you will be paid when certain damages are realized.
Taking out contents insurance?
Purchasing contents insurance is a good idea. It costs you little money, and the benefits are great. The damage caused by fire, for example, is enormous, and this way you will receive at least a good amount back as consolation.
Take out your contents insurance through Alpina
Do you want to purchase contents insurance? At Alpina you can easily compare different household insurance policies. We always offer you a good overview with the best coverage and the best premiums. Do you have any questions about home contents insurance? Do not hesitate to contact Alpina. Our insurance specialists will be happy to advise you about all the possibilities!
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