How can I insure the contents of my shed?
Do you have your belongings stored in a warehouse, garage or shed? Then of course you want these items to be properly insured in case of damage or theft. You may be asking yourself whether the items in your shed are included in your home contents insurance. We tell you!
What is covered?
In many cases, his belongings in a shed are covered under your contents insurance. However, how long your belongings are covered varies from one insurer to another. In general, belongings in a shed are co-insured for a minimum of 90 days with each insurer. This often goes up to a period of one year and in some cases even longer. Thus, at Centraal Beheer belongings in a shed are insured for a maximum of 2 years, while at OHRA this is one year. At Inshared your belongings are co-insured for a maximum of 9 months and at Nationale Nederlanden for 90 days.
Storage in a shed does often come with some restrictions and conditions. For example, items in a shed have limited coverage. They are usually only insured for fire and theft. This can vary from one insurer to another, so always check the terms and conditions of your insurance policy. You can also always contact your insurer for this.
Business contents insurance or inventory insurance for your shed
Do you store stuff for your business in your shed? If so, you may need business contents insurance, or inventory insurance. A property insurer will distinguish between inventory insurance and goods insurance. Inventory refers to all the items used in your business to practice your profession. Here you can think of office furniture, laptops, but also machines. All items that are in your business premises and that you need to do your work are covered by inventory insurance. Goods refers to your trading stock. These are all the raw and auxiliary materials you use to make your final product, such as semi-finished products, cleaning agents, fuels and packaging materials. Do you store these products in your warehouse? Then this is also insured when you take out business contents insurance.
Take out contents insurance for your shed
Home contents insurance is one of the most important home insurance policies out there, especially if you also have belongings stored in a shed. With good contents insurance, both your home contents and your contents in the shed are insured. Suppose a fire breaks out in the shed. If you are not insured, the costs can quickly mount up. With contents insurance for your shed, you are insured for damage and theft.
Through Alpina.nl you can easily purchase contents insurance. Using Alpina's online comparison tool, you can easily and quickly compare household insurance policies on price and quality. By comparing home contents insurance, you can find out which insurance is best for you. Also check carefully how items in a shed are insured by each insurer. Do you mainly store things for your business in your shed? Then look into inventory insurance. By choosing the right insurance, you can be sure that your possessions are properly insured.
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